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U.S. Department of Homeland Security

Washington, D.C. 20472

W-17061

September 29, 2017

MEMORANDUM FOR: Write Your Own (WYO) Principal Coordinators and the

National Flood Insurance Program (NFIP) Servicing Agent

FROM:

Roy E. Wright

Deputy Associate Administrator for Federal Insurance

Federal Insurance and Mitigation Administration

SUBJECT: April 1, 2018, and January 1, 2019, Program Changes

This memorandum provides notification of the changes the National Flood Insurance Program

(NFIP) will implement effective April 1, 2018. This memorandum also includes the premium

changes for Preferred Risk Policies (PRPs) and Newly Mapped procedure policies that the NFIP

will implement effective January 1, 2019. These changes will require modifications to the NFIP

Flood Insurance Manual, the Transaction Record Reporting and Processing (TRRP) Plan, and the

Edit Specifications document.

Program Changes effective April 1, 2018 include the following:

Updated premium rates;

Updated guidance for reformation of policies issued using an incorrect Standard Flood

Insurance Policy form;

Premium receipt date guidance for invalid payments;

Revised primary residence rules;

Clarification of Increased Cost of Compliance premium for Other Residential buildings;

Additional time to complete Phase 2 reunderwriting for HFIAA Section 28 – Clear

Communication of Risk; and

Additional guidance for elevation datum conversions.

Program Changes effective January 1, 2019, include the following:

Updated base premiums for Preferred Risk Policies (PRPs) (including PRP-eligible AR and

A99 zone policies) and policies rated under the Newly Mapped procedure; and

Updated premium multiplier tables for policies rated under the Newly Mapped procedure.

April 1, 2018 and January 1, 2019 Program Changes

September 29, 2017

www.fema.gov

Please see the following attachments for details of these upcoming Program Changes:

Attachment A – Summary of the NFIP April 2018 and January 2019 Program Changes

Attachment B – Updated Rate Tables Effective April 1, 2018

Attachment C – Updated PRP Premiums and Newly Mapped Base Premium and Multiplier

Tables Effective January 1, 2019

Attachment D – TRRP Plan and Edit Specifications Changes Effective April 1, 2018

The NFIP will issue updates to the Specific Rating Guidelines by November 1, 2017.

The next scheduled updates to the Community Rating System (CRS) Eligible Communities list will

be effective May 1, 2018. The NFIP will provide the revised CRS list under separate cover by

February 1, 2018.

Attachments

cc: Vendors, IBHS, FIPNC, Government Technical Representative

Required Routing: Accounting, Claims, Data Processing, Marketing, Underwriting

http://www.fema.gov/

ATTACHMENT A

SUMMARY OF THE NFIP PROGRAM CHANGES

EFFECTIVE APRIL 1, 2018 AND JANUARY 1, 2019

1

National Flood Insurance Program

April 1, 2018 and January 1, 2019 Program Changes: A Summary

The changes outlined in this bulletin apply to new business and renewals that will become

effective on or after April 1, 2018; the premium changes for Preferred Risk Policies (PRPs) and

Newly Mapped procedure policies will become effective January 1, 2019. See Attachment B for

updated rate tables effective April 1, 2018 and Attachment C for updated PRP premiums and

Newly Mapped base premium and multiplier tables effective January 1, 2019. Attachment D

provides revised Transaction Record Reporting and Processing (TRRP) Plan pages and updated

Edit Specifications.

1. Premium Increases and Surcharges

Overall, premiums will increase from an estimated average of $866 per policy to $935, for an

average increase of 8.0 percent. These amounts do not include the HFIAA surcharge or the

Federal Policy Fee (FPF). When the HFIAA surcharge and FPF are included, the total amount

billed the policyholder will increase from $994 to $1,062, for an average increase of 6.9 percent.

Premium increases effective April 1, 2018, comply with all the requirements of both the Biggert-

Waters Flood Insurance Reform Act of 2012 (BW-12) and the Homeowner Flood Insurance

Affordability Act of 2014 (HFIAA). Those requirements are as follows:

Premium rates for four categories of Pre-FIRM subsidized policies – non-primary

residential properties, business properties, Severe Repetitive Loss (SRL) properties

(which includes cumulatively damaged properties), and substantially

damaged/substantially improved properties – must be increased 25 percent annually until

they reach full-risk rates;

The average annual premium rate increases for all other risk classes are limited to 15

percent while the individual premium rate increase for any individual policy is

simultaneously limited to 18 percent; and

The average annual premium rate increase for all other Pre-FIRM subsidized policies not

covered by the first bullet above must be at least 5 percent.

There are some limited exceptions to the 18 percent cap on premium rate increases for individual

policyholders. These include policies on the properties listed above that are subject to 25 percent

annual premium rate increases. These also include premium rate increases resulting from

changes in the Community Rating System (CRS) class, misratings, and increases in the amount

of insurance purchased. The specific scenarios that constitute a misrating are described in the

Flood Insurance Manual.

When premium rate increases are evaluated for compliance with these caps, the building and

contents premium, the Increased Cost of Compliance (ICC) premium, and the Reserve Fund

Assessment (RFA) are all included. The probation surcharge, FPF, and Congressionally-

mandated HFIAA surcharge are not considered premium and, therefore, are not subject to the

premium rate cap limitations. As a result, the increase in the total amount charged a policyholder

may exceed 18 percent in some cases.

2

For policies issued on or after April 1, 2018, there will be no changes to:

Deductible Factors

Federal Policy Fee

Reserve Fund Assessment

HFIAA Surcharge

Probation Surcharge

ICC Premiums

Pre-FIRM Subsidized Policies (a group of policies in SFHA Zones A, AO, AH, A1-30, AE,

A99, AR, AR/A1-30, AR/AE, AR/AO, AR/AH, AR/A, V1-30, and VE, that receive rates

insufficient to pay the anticipated losses and expenses for that group)

Primary Residences: The combined premium increase for all primary residence

policies in these zones is 5 percent, with a total increase of 5 percent.

Other Pre-FIRM Subsidized Policies Not Subject to 25 Percent Annual Increases:

These are primarily condominium policies and multifamily policies. Premiums will

increase 5 percent, with a total increase of 5 percent.

Non-Primary Residences: The combined premium increase for non-primary

residence policies in these zones is 24 percent, with a total increase of 22 percent.

Other Pre-FIRM Subsidized Policies Subject to 25 Percent Annual Increases as

required by BW-12: Premiums will increase slightly less than 25 percent, primarily

due to the impact of rounding. The overall increase for these categories is about 23

percent.

Other Subsidized Policies A99 Zones (i.e., zones in which flood protection systems are still in the process of

being constructed) and AR Zones: Premium changes for those AR and A99 zone

policies that are not eligible to use PRP premiums will be effective April 1, 2018.

Premiums for these policies will increase 2 percent, with a total increase of 1 percent.

Premium increases for A99 and AR zone policies eligible for the PRP are described

below.

V Zones (coastal high-velocity zones)

Rate increases are being implemented again this year as a result of the Heinz Center’s Erosion

Zone Study, which clearly indicates that current rates significantly underestimate the

increasing hazard from steadily eroding coastlines.

Post-FIRM V Zones: Premiums will increase 11 percent, with a total increase of 11

percent.

A Zones (non-velocity zones, which are primarily riverine zones)

Post-FIRM A1-A30 and AE Zones: Premiums will increase 1 percent, with a total

increase of 1 percent.

AO, AH, AOB, and AHB Zones (shallow flooding zones): Premiums will remain

unchanged.

Unnumbered A Zones (remote A Zones where elevations have not been determined):

Premiums will increase 3 percent, with a total increase of 2 percent.

3

X Zones (zones outside the Special Flood Hazard Area)

Standard-Rated Policies: Premiums will increase 2 percent, with a total increase of

1 percent.

Miscellaneous

Group Flood Insurance Policies (GFIPs): No change.

Tentative and Provisional Rates: No change.

Mortgage Portfolio Protection Program (MPPP): No change

Changes to Become Effective January 1, 2019 Preferred Risk Policies (PRPs): Premiums will increase 8 percent, with a total

increase of 6 percent.

A99 and AR Zone Policies eligible for the PRP: Premiums will increase 8 percent,

with a total increase of 6 percent.

Properties Newly Mapped into the SFHA: Newly Mapped policies are initially

charged PRP premiums during the first year following the effective date of the map

change. Annual increases to these policies result from the use of a “multiplier” that

varies by the year of the map change; this multiplier is applied to the base premium

before adding the ICC premium. The RFA is added after the ICC premium, and this

subtotal is the amount subject to the annual premium rate increase cap. The HFIAA

surcharge, probation surcharge (if applicable), and the FPF will be added to the

premium; they are not subject to the cap on annual premium rate increases. As a

result of increases to the multiplier that will be effective January 1, 2019, premiums

for Newly Mapped policies will increase 15 percent, with a total increase of 11

percent.

2. Policy Reformation for Use of Incorrect Standard Flood Insurance Policy Form

FEMA is updating Policy Reformation guidance for policies that were issued on an incorrect

policy form (i.e., Dwelling, General Property, or RCBAP form). When insurers reform policies

that were issued on an incorrect policy form, the maximum coverage amount on the reformed

policies can be equal to the amount of coverage that was on the incorrect policy when it was

discovered to be incorrect, subject to the coverage limits under the correct form. If additional

premium is due, the insurer must send an underpayment notice for the additional premium.

Insurers must receive the additional premium within 30 days of the underpayment notice prior to

processing the policy at the restored coverage amount or prior to processing any claim. FEMA

will allow the insurer to deduct the additional premium due from the claim settlement.

3. Premium Receipt Date Guidance for Invalid Payments

The NFIP Flood Insurance Manual provides guidance for determining a policy transaction

effective date based on the date the transaction was applied for and the premium receipt date.

FEMA considers a payment invalid if the financial institution determines there are Non-

Sufficient Funds (NSF) in the account, the payment is non-negotiable for any other reason, or a

reversal (dispute) is successfully completed on an electronic payment. NFIP insurers cannot use

4

the receipt date of the invalid payment as the premium receipt date to determine the effective

date of a policy transaction (application, endorsement, or renewal).

Upon notification of the NSF/non-negotiable/reversal status of a premium payment, the insurer is

to cancel/nullify the transaction associated with that payment back to the transaction’s effective

date immediately. The insurer will send notification to the policyholder, agent, and lender(s), if

applicable, of the cancellation/nullification of the transaction for invalid payment due to

NSF/non-negotiable/reversal status. If the insurer receives a new payment, the insurer must

process the transaction based on the premium receipt date of the new payment. The effective

date of the transaction is subject to the effective date rules based on the new payment receipt

date. Note: A new application or endorsement request is not required for this transaction as

long as the insurer still has the original request.

4. Primary Residence Determination

FEMA is updating the Primary Residence guidance to allow a policyholder and policyholder’s

spouse to have more than one primary residence. This change will accommodate those situations

in which each spouse may reside more than 50 percent of the year at a separate residence. The

policyholder and policyholder’s spouse can each have one primary residence provided that they

submit the required supporting documentation for each residence.

5. Clarification of Increased Cost of Compliance Premium for Other Residential Buildings

FEMA is restructuring the ICC premium table in the Rating Section of the Flood Insurance

Manual to clarify the different building amount of insurance available to 1-4 family buildings

and other residential buildings.

6. HFIAA Section 28, Clear Communication of Risk – Phase 2 Reunderwriting

In view of the resource constraints imposed by the extensive flooding resulting from recent

hurricanes and flooding events, FEMA is allowing additional time for NFIP insurers to complete

the reunderwriting required for HFIAA Section 28, Clear Communication of Risk - Phase 2. (See

NFIP Bulletin W-16021 dated March 29, 2016.) Instead of reunderwriting Phase 2 policy

renewals effective on or after October 1, 2017, for the full year of policy renewals, NFIP insurers

can now reunderwrite Phase 2 policy renewals effective on or after April 1, 2018. The

reunderwriting process for these policies must be completed by April 1, 2019 for the full year of

policy renewals. FEMA will not send the clear communication Cost-of-Flood letter for these

policies until after the system processing of April 2018 policy data reported through the

Transaction Record Reporting and Processing Plan. Note: For those Phase 2 policy renewals

already reunderwritten under the current timeline, FEMA does not require insurers to

reunderwrite them again at the next renewal.

5

7. Datum Conversion

FEMA is providing additional guidance for elevation datum conversions:

(1) The elevations used to calculate the elevation difference should always be the same

datum.

(2) Since datum NAVD88 was not used to develop Flood Insurance Rate Maps (FIRMs)

until June 1991, insurers can use the following guidelines for reunderwriting rating

purposes:

a. For any documentation used to validate elevations dated prior to June 1991,

assume that all elevations are NGVD29.

b. For elevation-rated policies where the rating community information references a

FIRM dated prior to June 1, 1991, assume the elevations are NGVD29.

c. If unable to confirm that the datum of all the elevations on the elevation

documentation are the same, assume the same datum was used for all elevations.

d. If the elevation documentation is not available on existing elevation-rated policies

where the rating community information references a FIRM dated prior to June 1,

1991, assume the elevations are NGVD29.

e. For areas that have a datum other than NGVD29 or NAVD88, a community

official, surveyor, or the Flood Insurance Study for the community are resources

for datum conversions.

f. Since Hawaii and the U.S. Island Territories never used NGVD29 or NAVD88 in

developing their FIRMs, properties located in these areas do not require datum

conversion. The same datum (referred to Local Tidal Datum and Local Mean Sea

Level) is used in Hawaii and the U.S. Island Territories. It should be noted that

prior FIRMs issued in Hawaii have referenced the NGVD29 datum incorrectly.

g. Unnumbered A zones without an estimated Base Flood Elevation and AO zones

do not require a datum conversion for rating purposes.

h. Unnumbered A zones with an estimated Base Flood Elevation require

confirmation that the elevations are using the same datum.

For all of the above items, if the current FIRM references a different datum, convert the

elevations to the current datum

8. Updated Claims Data Elements

The TRRP Plan includes updates to several Claims data elements, including adjustment of the

field length to accommodate up to 10 characters for the assigned Adjuster Individual Flood

Control Number.

ATTACHMENT B

UPDATED RATE TABLES

EFFECTIVE APRIL 1, 2018

RATE 1

This section contains information, including rate tables, required to accurately rate a National Flood Insurance Program (NFIP) flood insurance policy. Information and rates for the Residential Condominium Building Association Policy (RCBAP), Preferred Risk Policy (PRP), Newly-Mapped-rated policies, Mortgage Portfolio Protection Program (MPPP), and provisionally rated policies, are found in their respective sections.

The detailed drawings, and accompanying text and tables, in the Lowest Floor Guide section are to be used as a guide for identifying the lowest floor for rating buildings. This guide will assist in determining the proper rate for the building. Examples of some rating situations are shown at the end of this section.

I. AMOUNT OF INSURANCE AVAILABLE1, 2

REGULAR PROGRAM

BUILDING COVERAGEEMERGENCY PROGRAM

Basic Insurance Limits

Additional Insurance Limits

Total Insurance Limits

Single-Family Dwelling $ 35,0003 $ 60,000 $190,000 $250,000

2–4 Family Building $ 35,0003 $ 60,000 $190,000 $250,000

Other Residential Building $100,0005 $175,000 $325,000 $500,000

Non-Residential Building (including Business Buildings and Other Non-Residential Buildings)4

$100,000 $175,000 $325,000 $500,000

CONTENTS COVERAGE

Residential Property6 $ 10,000 $ 25,000 $ 75,000 $100,000

Non-Residential Business, Other Non-Residential Property4 $100,000 $150,000 $350,000 $500,000

1. This Table provides the maximum coverage amounts available under the Emergency Program coverage and the Regular Program, and the columns cannot be aggregated to exceed the limits in the Regular Program, which are established by statute. The aggregate limits for building coverage are the maximum coverage amounts allowed by statute for each building included in the relevant Occupancy Category.

2. These limits apply to all single condominium units and all other buildings not in a condominium form of ownership, including cooperatives and timeshares. Refer to the Condominiums section of this manual for basic insurance limits and maximum amount of insurance available under the RCBAP.

3. In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000.4. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules section of

this manual.5. In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000.6. The Residential Occupancy Category includes the Single Family, 2–4 Family, Other Residential, and Residential

Condominium Occupancies.

II. RATE TABLES

Rate tables are provided for the Emergency Program and for the Regular Program according to Pre-FIRM subsidized premium rates, or Post-FIRM/full-risk premium rates for each zone classification. Tables 1–5 show annual rates per $100 of coverage. Table 6

provides tentative rates (for more information, see the Tentative Rates subsection in this section). See Tables 7A–7C for Federal Policy Fee, Probation Surcharge, Reserve Fund Assessment, and HFIAA Surcharge.

RATING

TABLE 1. EMERGENCY PROGRAM RATESANNUAL RATES PER $100 OF COVERAGE

(Basic/Additional)

BUILDING CONTENTS

Residential 1.04 1.31

Non-Residential Business, Other Non-Residential 1.13 2.22

RATE 2

TABLE 2A. REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES 1, 2 ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)

FIRM ZONES A, AE, A1–A30, AO, AH, D3

OCCUPANCY SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIALNON-RESIDENTIAL

BUSINESS4OTHER

NON-RESIDENTIAL4

Building Contents Building Contents Building Contents Building Contents Building Contents

BUIL

DIN

G TY

PE

No Basement/Enclosure 1.04 / .95 1.31 / 1.71 1.04 / .95 N/A 1.04 / 2.00 N/A 1.89 / 3.54 N/A 1.13/ 2.10 N/AWith Basement 1.11 / 1.40 1.31 / 1.44 1.11 / 1.40 N/A 1.04 / 1.67 N/A 1.99 / 3.45 N/A 1.19 / 2.06 N/AWith Enclosure5 1.11 / 1.68 1.31 / 1.71 1.11 / 1.68 N/A 1.11 / 2.08 N/A 1.99 / 4.37 N/A 1.19 / 2.59 N/AElevated on Crawlspace 1.04 / .95 1.31 / 1.71 1.04 / .95 N/A 1.04 / 2.00 N/A 1.89 / 3.54 N/A 1.13/ 2.10 N/ANon-Elevated with Subgrade Crawlspace 1.04 / .95 1.31 / 1.44 1.04 / .95 N/A 1.04 / 2.00 N/A 1.89 / 3.54 N/A 1.13/ 2.10 N/A

Manufactured (Mobile) Home6 1.04 / .95 1.31 / 1.71 N/A N/A N/A N/A 1.89 / 3.54 N/A 1.13/ 2.10 N/A

CON

TEN

TS L

OCAT

ION

Basement & Above7 N/A /A /A 1.31 / 1.44 N/A 1.31 / 1.44 /A 3.74 / 5.93 /A 2.22 / 3.51Enclosure & Above8 /A /A /A 1.31 / 1.71 /A 1.31 / 1.71 /A 3.74 / 7.11 /A 2.22 / 4.20Lowest Floor Only — Above Ground Level

/A /A /A 1.31 / 1.71 /A 1.31 / 1.71 /A 3.74 / 3.11 /A 2.22 / 1.85

Lowest Floor Above Ground Level and Higher Floors

/A /A /A 1.31 / 1.19 /A 1.31 / 1.19 /A 3.74 / 2.65 /A 2.22 / 1.59

Above Ground Level — More Than 1 Full Floor

/A /A /A .35 / .12 /A .35 / .12 /A .24 / .12 /A .24 / .12

Manufactured (Mobile) Home6 /A /A /A N/A /A /A /A 3.74 / 3.11 /A 2.22 / 1.85

FIRM ZONES V, VE, V1–V30


BUSINESS4OTHER

NON-RESIDENTIAL4


BUIL

DIN

G TY

PE

No Basement/Enclosure 1.35 / 2.39 1.68 / 4.08 1.35 / 2.39 N/A 1.35 / 4.39 N/A 2.51 / 8.59 N/A 1.51 / 5.07 N/AWith Basement 1.45 / 3.53 1.68 / 3.46 1.45 / 3.53 N/A 1.45 / 6.53 N/A 2.65 / 12.77 N/A 1.59 / 7.53 N/AWith Enclosure5 1.45 / 4.17 1.68 / 4.06 1.45 / 4.17 N/A 1.45 / 7.30 N/A 2.65 / 14.24 N/A 1.59 / 8.40 N/AElevated on Crawlspace 1.35 / 2.39 1.68 / 4.08 1.35 / 2.39 N/A 1.35 / 4.39 N/A 2.51 / 8.59 N/A 1.51 / 5.07 N/ANon-Elevated with Subgrade Crawlspace 1.35 / 2.39 1.68 / 3.46 1.35 / 2.39 N/A 1.35 / 4.39 N/A 2.51 / 8.59 N/A 1.51 / 5.07 N/A

Manufactured (Mobile) Home6 1.35 / 7.44 1.68 / 4.06 N/A N/A N/A N/A 2.51 / 24.26 N/A 1.51 / 14.28 N/A

CON

TEN

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OCAT

ION

Basement & Above7 N/A N/A N/A 1.68 / 3.46 N/A 1.68 / 3.46 N/A 4.93 / 15.06 N/A 2.92 / 8.88Enclosure & Above8 N/A N/A N/A 1.68 / 4.06 N/A 1.68 / 4.06 N/A 4.93 / 16.29 N/A 2.92 / 9.59Lowest Floor Only — Above Ground Level N/A N/A N/A 1.68 / 4.06 N/A 1.68 / 4.06 N/A 4.93 / 13.65 N/A 2.92 / 8.05

Lowest Floor Above Ground Level and Higher Floors N/A N/A N/A 1.68 / 3.57 N/A 1.68 / 3.57 N/A 4.93 / 11.78 N/A 2.92 / 6.95

Above Ground Level — More Than 1 Full Floor N/A N/A N/A .54 / .47 N/A .54 / .47 N/A .52 / .67 N/A .52 / .67

Manufactured (Mobile) Home6 N/A N/A N/A N/A N/A N/A 4.93 / 22.69 N/A 2.92 / 13.36

FIRM ZONES A99, B, C, X


BUSINESS4OTHER

NON-RESIDENTIAL4


BUIL

DIN

G TY

PE

No Basement/Enclosure 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/AWith Basement 1.22 / .42 1.87 / .61 1.22 / .42 N/A 1.31 / .42 N/A 1.31 / .42 N/A 1.31 / .42 N/AWith Enclosure5 1.22 / .46 1.87 / .69 1.22 / .46 N/A 1.31 / .46 N/A 1.31 / .46 N/A 1.31 / .46 N/AElevated on Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/ANon-Elevated with Subgrade Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A

Manufactured (Mobile) Home6 1.09 / .54 1.67 / .53 N/A N/A N/A N/A 1.31 / .57 N/A 1.31 / .57 N/A

CON

TEN

TS L

OCA

TIO

N

Basement & Above7 N/A N/A N/A 2.11 / .79 N/A 2.11 / .79 N/A 2.16 / .86 N/A 2.16 / .86Enclosure & Above8 N/A N/A N/A 2.11 / .90 N/A 2.11 / .90 N/A 2.16 / 1.00 N/A 2.16 / 1.00Lowest Floor Only — Above Ground Level N/A N/A N/A 1.67 / .83 N/A 1.67 / .83 N/A 1.34 / .61 N/A 1.34 / .61

Lowest Floor Above Ground Level and Higher Floors N/A N/A N/A 1.67 / .53 N/A 1.67 / .53 N/A 1.34 / .43 N/A 1.34 / .43


Manufactured (Mobile) Home6 N/A N/A N/A N/A N/A N/A N/A 1.17 / .74 N/A 1.17 / .74

1. Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM), whichever is later. If there has been a lapse in coverage, refer to Table 10, Pre-FIRM Subsidized Rate Ineligibility Determination, to confirm whether Pre-FIRM subsidized rates can be used.

2. Refer to Table 11, Pre-FIRM Rate Table Hierarchy, to determine which Pre-FIRM rate table to use.3. Pre-FIRM buildings may use Post-FIRM elevation rating if more favorable to the insured. However, when the lowest floor elevation is

below the Base Flood Elevation (BFE), follow the Submit-for-Rate procedures for policy processing.4. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules section

of this manual.5. For an elevated building on a crawlspace with an attached garage without openings, use “With Enclosure” rates.6. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.7. Includes subgrade crawlspace.8. Includes crawlspace.

RATE 3

TABLE 2B. REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES 1, 2 NON-PRIMARY RESIDENCE3

ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)


OCCUPANCY SINGLE FAMILY 2–4 FAMILY (CONDO UNIT)5 OTHER RESIDENTIAL (CONDO UNIT)5

Building Contents Building Contents Building Contents

BUIL

DING

TYP

E No Basement/Enclosure 2.53 / 2.19 3.20 / 3.95 2.53 / 2.19 2.53 / 2.19With Basement 2.71 / 3.23 3.20 / 3.29 2.71 / 3.23 2.71 / 3.23With Enclosure6 2.71 / 3.89 3.20 / 3.95 2.71 / 3.89 2.71 / 3.89Elevated on Crawlspace 2.53 / 2.19 3.20 / 3.95 2.53 / 2.19 2.53 / 2.19Non-Elevated with Subgrade Crawlspace 2.53 / 2.19 3.20 / 3.29 2.53 / 2.19 2.53 / 2.19Manufactured (Mobile) Home7 1.75 / 1.51 2.21 / 2.74

CON

TEN

TS L

OCAT

ION Basement & Above8 3.20 / 3.29 3.20 / 3.29

Enclosure & Above9 3.20 / 3.95 3.20 / 3.95Lowest Floor Only — Above Ground Level 3.20 / 3.95 3.20 / 3.95Lowest Floor Above Ground Level and Higher Floors 3.20 / 2.74 3.20 / 2.74

Above Ground Level — More Than 1 Full Floor .35 / .12 .35 / .12

Manufactured (Mobile) Home7

FIRM ZONES V, VE, V1–V30OCCUPANCY SINGLE FAMILY 2–4 FAMILY (CONDO UNIT)5 OTHER RESIDENTIAL (CONDO UNIT)5


BUIL

DING

TYP

E No Basement/Enclosure 3.29 / 5.66 4.12 / 9.70 3.29 / 5.66 3.29 / 5.66With Basement 3.51 / 8.42 4.12 / 8.20 3.51 / 8.42 3.51 / 8.42With Enclosure6 3.51 / 9.95 4.12 / 9.66 3.51 / 9.95 3.51 / 9.95Elevated on Crawlspace 3.29 / 5.66 4.12 / 9.70 3.29 / 5.66 3.29 / 5.66Non-Elevated with Subgrade Crawlspace 3.29 / 5.66 4.12 / 8.20 3.29 / 5.66 3.29 / 5.66Manufactured (Mobile) Home7 3.29 / 20.39 4.12 / 9.66

CON

TEN

TS L

OCAT

ION Basement & Above8 4.12 / 8.20 4.12 / 8.20

Enclosure & Above9 4.12 / 9.66 4.12 / 9.66Lowest Floor Only — Above Ground Level 4.12 / 9.66 4.12 / 9.66Lowest Floor Above Ground Level and Higher Floors 4.12 / 8.49 4.12 / 8.49

Above Ground Level — More Than 1 Full Floor .71 / .59 .71 / .59


FIRM ZONES A99, B, C, XOCCUPANCY SINGLE FAMILY 2–4 FAMILY (UNIT ONLY) OTHER RESIDENTIAL (UNIT ONLY)


BUIL

DING

TYP

E No Basement/Enclosure 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/AWith Basement 1.22 / .42 1.87 / .61 1.22 / .42 N/A 1.31 / .42 N/A

With Enclosure6 1.22 / .46 1.87 / .69 1.22 / .46 N/A 1.31 / .46 N/A

Elevated on Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A

Non-Elevated with Subgrade Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/AManufactured (Mobile) Home7 1.09 / .54 1.67 / .53 N/A N/A N/A N/A

CON

TEN

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OCAT

ION Basement & Above8 N/A N/A N/A 2.11 / .79 N/A 2.11 / .79

Enclosure & Above9 N/A N/A N/A 2.11 / .90 N/A 2.11 / .90Lowest Floor Only — Above Ground Level N/A N/A N/A 1.67 / .83 N/A 1.67 / .83Lowest Floor Above Ground Level and Higher Floors N/A N/A N/A 1.67 / .53 N/A 1.67 / .53

Above Ground Level — More Than 1 Full Floor N/A N/A N/A .35 / .12 N/A .35 / .12

Manufactured (Mobile) Home7 N/A N/A N/A N/A N/A N/A

1. Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM), whichever is later. If there has been a lapse in coverage, refer to Table 10, Pre-FIRM Subsidized Rate Ineligibility Determination, to confirm whether Pre-FIRM subsidized rates can be used.

2. Refer to Table 11, Pre-FIRM Rate Table Hierarchy, to determine which Pre-FIRM rate table to use.3. For rating purposes only, FEMA defines a non-primary residence as a building that will not be lived in by an insured or an insured’s

spouse for more than 50% of the 365 days following the policy effective date. 4. Pre-FIRM buildings may use Post-FIRM elevation rating if more favorable to the insured. However, when the lowest floor elevation is

below the BFE, follow the Submit-for-Rate procedures for policy processing.5. Individually owned unit in the condominium form of ownership located within a multi-unit building.6. For an elevated building on a crawlspace with an attached garage without openings, use “With Enclosure” rates. 7. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.8. Includes subgrade crawlspace.9. Includes crawlspace.

RATE 4

TABLE 2C. REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES SEVERE REPETITIVE LOSS PROPERTIES1, 2, 3



OCCUPANCY SINGLE FAMILY 2–4 FAMILY Building Contents Building Contents

BUIL

DING

TYP

E No Basement/Enclosure 2.01 / 2.05 2.56 / 3.68 2.01 / 2.05With Basement 2.14 / 3.03 2.56 / 3.06 2.14 / 3.03With Enclosure5 2.14 / 3.63 2.56 / 3.68 2.14 / 3.63Elevated on Crawlspace 2.01 / 2.05 2.56 / 3.68 2.01 / 2.05Non-Elevated with Subgrade Crawlspace 2.01 / 2.05 2.56 / 3.06 2.01 / 2.05Manufactured (Mobile) Home6 2.01 / 2.05 2.56 / 3.68

CON

TEN

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OCAT

ION

Basement & Above7 2.56 / 3.06Enclosure & Above8 2.56 / 3.68Lowest Floor Only — Above Ground Level 2.56 / 3.68

Lowest Floor Above Ground Level and Higher Floors 2.56 / 2.56

Above Ground Level — More Than 1 Full Floor .35 / .12


FIRM ZONES V, VE, V1–V30OCCUPANCY SINGLE FAMILY 2–4 FAMILY

Building Contents Building Contents

BUIL

DING

TYP

E No Basement/Enclosure 2.61 / 5.16 3.26 / 8.83 2.61 / 5.16With Basement 2.80 / 7.67 3.26 / 7.48 2.80 / 7.67With Enclosure5 2.80 / 9.08 3.26 / 8.80 2.80 / 9.08Elevated on Crawlspace 2.61 / 5.16 3.26 / 8.83 2.61 / 5.16Non-Elevated with Subgrade Crawlspace 2.61 / 5.16 3.26 / 7.48 2.61 / 5.16Manufactured (Mobile) Home6 2.61 / 16.29 3.26 / 8.80

CON

TEN

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OCAT

ION

Basement & Above7 3.26 / 7.48Enclosure & Above8 3.26 / 8.80Lowest Floor Only — Above Ground Level 3.26 / 8.80

Lowest Floor Above Ground Level and Higher Floors 3.26 / 7.75

Above Ground Level — More Than 1 Full Floor .78 / .65


FIRM ZONES A99, B, C, XOCCUPANCY SINGLE FAMILY 2–4 FAMILY

Building Contents Building Contents

BUIL

DING

TYP

E No Basement/Enclosure 1.09 / .30 1.67 / .53 1.09 / .30 N/AWith Basement 1.22 / .42 1.87 / .61 1.22 / .42 N/AWith Enclosure5 1.22 / .46 1.87 / .69 1.22 / .46 N/AElevated on Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/ANon-Elevated with Subgrade Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/AManufactured (Mobile) Home6 1.09 / .54 1.67 / .53 N/A N/A

CON

TEN

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OCAT

ION

Basement & Above7 N/A N/A N/A 2.11 / .79Enclosure & Above8 N/A N/A N/A 2.11 / .90Lowest Floor Only — Above Ground Level N/A N/A N/A 1.67 / .83

Lowest Floor Above Ground Level and Higher Floors N/A N/A N/A 1.67 / .53

Above Ground Level — More Than 1 Full Floor N/A N/A N/A .35 / .12

Manufactured (Mobile) Home6 N/A N/A N/A N/A

1. Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM), whichever is later. Refer to the rating guidance hierarchy and chart in Table 10 to determine which Pre-FIRM rate table to use. If there has been a lapse in coverage, refer to Table 10, Pre-FIRM Subsidized Rate Ineligibility Determination, to confirm whether Pre-FIRM subsidized rates can be used.

2. Refer to Table 11, Pre-FIRM Rate Table Hierarchy, to determine which Pre-FIRM rate table to use.3. For additional guidance, refer to the Severe Repetitive Loss Properties section of this manual.4. Pre-FIRM buildings may use Post-FIRM elevation rating if more favorable to the insured. However, when the lowest floor elevation is

below the BFE, follow the Submit-for-Rate procedures for policy processing.5. For an elevated building on a crawlspace with an attached garage without openings, use “With Enclosure” rates. 6. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.7. Includes subgrade crawlspace.8. Includes crawlspace.

RATE 5

TABLE 2D. REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES 1, 2 SUBSTANTIAL IMPROVEMENT ON OR AFTER APRIL 1, 2015 3



OCCUPANCY SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL

NON-RESIDENTIAL BUSINESS4

OTHER NON-RESIDENTIAL4


BUIL

DIN

G TY

PE

No Basement/Enclosure 1.89 / 1.74 2.37 / 3.11 1.89 / 1.74 1.89 / 3.66 2.06 / 3.85 2.06 / 3.85

With Basement 2.01 / 2.56 2.36 / 2.61 2.01 / 2.56 1.89 / 3.05 2.17 / 3.75 2.17 / 3.75With Enclosure5 2.01 / 3.06 2.37 / 3.11 2.01 / 3.06 2.01 / 3.82 2.17 / 4.75 2.17 / 4.75Elevated on Crawlspace 1.89 / 1.74 2.37 / 3.11 1.89 / 1.74 1.89 / 3.66 2.06 / 3.85 2.06 / 3.85Non-Elevated with Subgrade Crawlspace 1.89 / 1.74 2.37 / 2.61 1.89 / 1.74 1.89 / 3.66 2.06 / 3.85 2.06 / 3.85

Manufactured (Mobile) Home6 1.89 / 1.74 2.37 / 3.11 2.06 / 3.85 2.06 / 3.85

CON

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OCAT

ION

Basement & Above7 2.37 / 2.61 2.37 / 2.61 4.05 / 6.46 4.05 / 6.46Enclosure & Above8 2.37 / 3.11 2.37 / 3.11 4.05 / 7.72 4.05 / 7.72Lowest Floor Only — Above Ground Level 2.37 / 3.11 2.37 / 3.11 4.05 / 3.38 4.05 / 3.38

Lowest Floor Above Ground Level and Higher Floors 2.37 / 2.17 2.37 / 2.17 4.05 / 2.89 4.05 / 2.89

Above Ground Level — More Than 1 Full Floor .35 / .12 .35 / .12 .24 / .12 .24 / .12

Manufactured (Mobile) Home6 4.05 / 3.38 4.05 / 3.38

FIRM ZONES V, VE, V1–V30


BUSINESS4OTHER

NON-RESIDENTIAL4


BUIL

DIN

G TY

PE

No Basement/Enclosure 2.45 / 4.37 3.06 / 7.48 2.45 / 4.37 2.45 / 8.09 2.74 / 9.35 2.74 / 9.35 With Basement 2.64 / 6.50 3.06 / 6.35 2.64 / 6.50 2.64 / 12.06 2.89 / 13.87 2.89 / 13.87 With Enclosure5 2.64 / 7.66 3.06 / 7.47 2.64 / 7.66 2.64 / 13.43 2.89 / 15.49 2.89 / 15.49 Elevated on Crawlspace 2.45 / 4.37 3.06 / 7.48 2.45 / 4.37 2.45 / 8.09 2.74 / 9.35 2.74 / 9.35 Non-Elevated with Subgrade Crawlspace 2.45 / 4.37 3.06 / 6.35 2.45 / 4.37 2.45 / 8.09 2.74 / 9.35 2.74 / 9.35

Manufactured (Mobile) Home6 2.45 / 13.71 3.06 / 7.47 2.74 / 26.39 2.74 / 26.39

CON

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OCAT

ION

Basement & Above7 3.06 / 6.35 3.06 / 6.35 5.34 / 16.38 5.34 / 16.38 Enclosure & Above8 3.06 / 7.47 3.06 / 7.47 5.34 / 17.71 5.34 / 17.71Lowest Floor Only — Above Ground Level

3.06 / 7.47 3.06 / 7.47 5.34 / 14.82 5.34 / 14.82

Lowest Floor Above Ground Level and Higher Floors 3.06 / 6.56 3.06 / 6.56 5.34 / 12.81 5.34 / 12.81

Above Ground Level — More Than 1 Full Floor .59 / .51 .59 / .51 .57 / .73 .57 / .73

Manufactured (Mobile) Home6 5.34 / 24.67 5.34 / 24.67



BUSINESS4OTHER

NON-RESIDENTIAL4


BUIL

DIN

G TY

PE

No Basement/Enclosure 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/AWith Basement 1.22 / .42 1.87 / .61 1.22 / .42 N/A 1.31 / .42 N/A 1.31 / .42 N/A 1.31 / .42 N/AWith Enclosure5 1.22 / .46 1.87 / .69 1.22 / .46 N/A 1.31 / .46 N/A 1.31 / .46 N/A 1.31 / .46 N/AElevated on Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/ANon-Elevated with Subgrade Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A

Manufactured (Mobile) Home6 1.09 / .54 1.67 / .53 N/A N/A N/A N/A 1.31 / .57 N/A 1.31 / .57 N/A

CON

TEN

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OCAT

ION

Basement & Above7 N/A N/A N/A 2.11 / .79 N/A 2.11 / .79 N/A 2.16 / .86 N/A 2.16 / .86Enclosure & Above8 N/A N/A N/A 2.11 / .90 N/A 2.11 / .90 N/A 2.16 / 1.00 N/A 2.16 / 1.00Lowest Floor Only — Above Ground Level N/A N/A N/A 1.67 / .83 N/A 1.67 / .83 N/A 1.34 / .61 N/A 1.34 / .61

Lowest Floor Above Ground Level and Higher Floors N/A N/A N/A 1.67 / .53 N/A 1.67 / .53 N/A 1.34 / .43 N/A 1.34 / .43


Manufactured (Mobile) Home6 N/A N/A N/A N/A N/A N/A N/A 1.17 / .74 N/A 1.17 / .74

1. Use this table to rate a Pre-FIRM building that has been substantially improved on or after April 1, 2015. However, Post-FIRM rating may always be used if beneficial to the insured. If there has been a lapse in coverage, refer to Table 10, Pre-FIRM Subsidized Rate Ineligibility Determination, to confirm whether Pre-FIRM subsidized rates can be used.

2. Refer to Table 11, Pre-FIRM Rate Table Hierarchy, to determine which Pre-FIRM rate table to use.3. Pre-FIRM buildings may use Post-FIRM elevation rating if more favorable to the insured. However, when the lowest floor elevation is

below the Base Flood Elevation (BFE), follow the Submit-for-Rate procedures for policy processing.4. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules section

of this manual.5. For an elevated building on a crawlspace with an attached garage without openings, use “With Enclosure” rates.6. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.7. Includes subgrade crawlspace.8. Includes crawlspace.

RATE 6

TABLE 3A. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATESANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)


OCCUPANCY SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIALNON-RESIDENTIAL BUSINESS,

OTHER NON-RESIDENTIAL1

Building Contents Building Contents Building Contents Building Contents

BUIL

DING

TYP

E

No Basement/Enclosure 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/AWith Basement 1.22 / .42 1.87 / .61 1.22 / .42 N/A 1.31 / .42 N/A 1.31 / .42 N/AWith Enclosure2 1.22 / .46 1.87 / .69 1.22 / .46 N/A 1.31 / .46 N/A 1.31 / .46 N/AElevated on Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/ANon-Elevated with Subgrade Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 N/A 1.03 / .30 N/A 1.03 / .30 N/A

Manufactured (Mobile) Home3 1.09 / .54 1.67 / .53 N/A N/A N/A N/A 1.31 / .57 N/A

CON

TEN

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OCAT

ION

Basement & Above4 N/A N/A N/A 2.11 / .79 N/A 2.11 / .79 N/A 2.16 / .86Enclosure & Above5 N/A N/A N/A 2.11 / .90 N/A 2.11 / .90 N/A 2.16 / 1.00Lowest Floor Only — Above Ground Level N/A N/A N/A 1.67 / .83 N/A 1.67 / .83 N/A 1.34 / .61

Lowest Floor Above Ground Level and Higher Floors N/A N/A N/A 1.67 / .53 N/A 1.67 / .53 N/A 1.34 / .43

Above Ground Level — More Than 1 Full Floor N/A N/A N/A .35 / .12 N/A .35 / .12 N/A .22 / .12

Manufactured (Mobile) Home3 N/A N/A N/A N/A N/A N/A N/A 1.17 / .74

FIRM ZONE D

OCCUPANCY SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIALNON-RESIDENTIAL BUSINESS,

OTHER NON-RESIDENTIAL1 Building Contents Building Contents Building Contents Building Contents

BUIL

DING

TYP

E

No Basement/Enclosure 2.91 / .28 1.33 / .32 2.91 / .21 2.43 / .43 2.43 / .43With Basement *** *** *** *** ***With Enclosure2

*** *** *** *** ***Elevated on Crawlspace 2.91 / .28 1.33 / .32 2.91 / .21 2.43 / .43 2.43 / .43Non-Elevated with Subgrade Crawlspace 2.91 / .28 1.33 / .32 2.91 / .21 2.43 / .43 2.43 / .43

Manufactured (Mobile) Home3 3.49 / .80 1.82 / .46 3.23 / 1.49

CON

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OCAT

ION

Basement & Above4*** *** ***

Enclosure & Above5*** *** ***

Lowest Floor Only — Above Ground Level 1.45 / .32 1.45 / .32 1.26 / .25

Lowest Floor Above Ground Level and Higher Floors 1.07 / .20 1.07 / .20 1.10 / .24

Above Ground Level — More Than 1 Full Floor .35 / .12 .35 / .12 .22 / .12

Manufactured (Mobile) Home3 1.72 / .44

FIRM ZONES AO, AH (No Basement/Enclosure/Crawlspace/Subgrade Crawlspace Buildings Only)6

BUILDING CONTENTS

OCCUPANCY1–4 Family

Other Residential, Non-Residential Business,

Other Non-Residential1 Residential

Non-Residential Business,

Other Non-Residential1

With Certification of Compliance or Elevation Certificate7 .28 / .08 .23 / .08 .38 / .13 .23 / .13Without Certification of Compliance or Elevation Certificate8, 9 1.71 / .20 1.56 / .26 .84 / .15 1.20 / .16

1. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules section of this manual. 2. For an elevated building on a crawlspace with an attached garage without openings, use “With Enclosure” rates. 3. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.4. Includes subgrade crawlspace.5. Includes crawlspace.6. Zones AO, AH Buildings with Basement/Enclosure/Crawlspace/Subgrade Crawlspace: follow Submit-for-Rate procedures. Pre-FIRM

buildings with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the “With Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures.

7. “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of Compliance from the community.

8. “Without Certification of Compliance or Elevation Certificate” rates are to be used on Post-FIRM buildings when the Elevation Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. These rates may be used for Pre-FIRM buildings when more favorable to the insured than Pre-FIRM subsidized rates even without an Elevation Certificate or Letter of Compliance.

9. For transfers and renewals of existing business where there is no Letter of Compliance or Elevation Certificate in the company’s file, these rates can continue to be used. Provisional or tentative rates are to be used for new business without an Elevation Certificate or Letter of Compliance. For new business effective on or after October 1, 2011, the provisions of footnote 8 apply.

*** Use the Specific Rating Guidelines (SRG) manual.

RATE 7

TABLE 3B. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES1


FIRM ZONES AE, A1–A30 — BUILDING RATES

ELEVATION OF LOWEST FLOOR

ABOVE OR BELOW THE BFE2, 3

1 FLOOR No Basement/Enclosure/

Crawlspace4, 5

MORE THAN 1 FLOOR No Basement/Enclosure/

Crawlspace4, 5

MORE THAN 1 FLOOR With Basement/Enclosure/

Crawlspace4, 5MANUFACTURED

(MOBILE) HOME6, 7

1–4 Family

Other Residential,

Non-Residential Business, Other Non-Residential8 1–4 Family

Other Residential,


Other Residential,

Non-Residential Business, Other Non-Residential8 Single Family

Non-Residential Business, Other Non-Residential8

+4 .28 / .08 .27 / .12 .24 / .08 .21 / .08 .24 / .08 .20 / .08 .30 / .15 .30 / .29

+3 .32 / .08 .31 / .15 .27 / .08 .24 / .08 .27 / .08 .23 / .09 .35 / .17 .34 / .32

+2 .47 / .10 .44 / .19 .39 / .08 .34 / .08 .32 / .08 .28 / .10 .50 / .23 .49 / .44

+1 .88 / .14 .81 / .29 .71 / .08 .61 / .09 .46 / .08 .36 / .12 .96 / .37 .93 / .72

0 2.02 / .23 1.83 / .48 1.57 / .08 1.35 / .13 .68 / .08 .58 / .14 2.21 / .65 2.09 / 1.31

−1 5.05 / .29 4.40 / .63 3.99 / .09 3.39 / .18 1.15 / .08 .86 / .17 5.51 / .98 5.01 / 2.09

−27 7.35 / .55 6.52 / 1.22 5.86 / .13 4.95 / .22 *** *** 7.31 / 2.15 7.53 / 3.89

−37 9.25 / .92 8.26 / 2.09 7.42 / .15 6.30 / .39 *** *** 9.64 / 3.09 9.45 /5.90

−47 11.00 / 1.47 10.15 / 3.14 9.14 / .25 7.82 / .64 *** *** 11.94 / 4.20 11.45 / 8.47

−57 12.51 / 1.97 11.63 / 4.22 10.55 / .39 9.10 / 1.00 *** *** 13.39 / 5.31 12.95 / 10.69

−67 12.92 / 2.47 12.16 / 5.20 11.15 / .62 9.75 / 1.48 *** *** 13.73 / 6.08 13.36 / 12.28

−77 13.33 / 2.89 12.52 / 6.11 11.67 / .85 10.31 / 1.96 *** *** 14.07 / 6.69 13.75 / 13.62

−87 13.60 / 3.29 12.80 / 6.91 12.06 / 1.10 10.74 / 2.47 *** *** 14.27 / 7.14 13.98 / 14.52

−97 13.63 / 3.59 12.91 / 7.47 12.15 / 1.35 10.91 / 2.97 *** *** 14.32 / 7.34 14.00 / 15.01

−107 13.66 / 3.93 12.98 / 8.10 12.22 / 1.53 11.04 / 3.38 *** *** 14.38 / 7.55 14.00 / 15.50

−117 13.69 / 4.24 13.05 / 8.80 12.29 / 1.92 11.22 / 4.11 *** *** 14.45 /7.75 14.00 / 15.99

−127 13.72 / 4.61 13.20 / 9.48 12.54 / 2.19 11.52 / 4.66 *** *** 14.53 / 8.06 14.02 / 16.48

−137 13.75 / 4.92 13.33 / 9.96 12.69 / 2.41 11.69 / 5.07 *** *** 14.60 / 8.27 14.05 / 16.98

−147 13.81 / 5.22 13.43 / 10.53 12.82 / 2.66 11.88 / 5.57 *** *** 14.70 / 8.46 14.09 / 17.47

−157 14.10 / 5.51 13.72 / 11.10 13.12 / 2.89 12.20 / 6.02 *** *** 14.79 / 8.78 14.36 / 17.95

−167 *** *** *** *** *** *** *** ***

1. Pre-FIRM elevated buildings with or without enclosure/crawlspace must use the “No Basement/Enclosure/Crawlspace” columns. Use the Lowest Floor Guide to determine the lowest floor elevation for rating. Unfinished partial enclosures below a Pre-FIRM building that are used solely for parking, storage, and building access and are located below the BFE are eligible for Special Rate Consideration.

2. If the Lowest Floor is −1 because of an attached garage and the building is described and rated as a single-family dwelling, see the Lowest Floor Determination subsection in the Lowest Floor Guide section of this manual or contact the insurer for rating guidance; rate may be lower.

3. If the lowest floor of a crawlspace or subgrade crawlspace is −1, use Submit-For-Rate procedures (Pre-FIRM or Post-FIRM). If the lowest floor of an enclosure below the elevated floor of a Post-FIRM building is −1, also use Submit-For-Rate procedures.

4. Includes subgrade crawlspace.5. Use Submit-for-Rate procedures if there is an elevator below the BFE regardless of whether there is an enclosure or not.6. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.7. For elevations of −2 and below and −1 and below for Manufactured (Mobile) Homes, follow Submit-for-Rate procedures in this manual.

These rates supersede the rates in the SRG manual.8. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules section

of this manual.

*** Use the SRG manual.

RATE 8

TABLE 3B. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 1


FIRM ZONES AE, A1–A30 — CONTENTS RATES


ABOVE OR BELOW THE BFE2, 3

LOWEST FLOOR ONLY – ABOVE GROUND LEVEL

No Basement/Enclosure/ Crawlspace4

LOWEST FLOOR ABOVE GROUND LEVEL & HIGHER FLOORS No Basement/Enclosure/

Crawlspace4


Crawlspace4MANUFACTURED

(MOBILE) HOME6, 7

Residential

Non-Residential Business, Other Non-Residential8 Residential




+4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .23 / .12

+3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .26 / .13

+2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .15 .36 / .18

+1 .48 / .12 .42 / .12 .38 / .12 .31 / .12 .38 / .12 .22 / .12 .64 / .23 .62 / .27

0 .95 / .12 .79 / .12 .69 / .12 .60 / .12 .38 / .12 .22 / .12 1.23 / .37 1.18 / .41

−1 1.93 / .16 1.75 / .13 1.47 / .13 1.14 / .30 .56 / .12 .22 / .12 2.70 / .45 2.50 / .62

−27 3.42 / .12 2.63 / .21 2.53 / .12 2.18 / .12 *** *** 4.47 / .86 4.18 / .91

−37 4.54 / .12 3.94 / .12 3.39 / .12 2.94 / .12 *** *** 6.15 / 1.52 5.85 / 1.63

−47 5.80 / .18 5.05 / .12 4.39 / .12 3.82 / .12 *** *** 7.91 / 2.34 7.63 / 2.56

−57 6.91 / .29 6.04 / .19 5.32 / .17 4.66 / .12 *** *** 9.35 / 3.21 9.11 / 3.57

−67 7.58 / .47 6.69 / .31 6.00 / .28 5.29 / .16 *** *** 10.04 / 3.99 9.89 / 4.53

−77 8.15 / .66 7.27 / .46 6.58 / .42 5.85 / .23 *** *** 10.60 / 4.63 10.52 / 5.33

−87 8.59 / .86 7.75 / .64 7.07 / .58 6.35 / .35 *** *** 10.97 / 5.15 10.94 / 5.99

−97 8.82 / 1.06 8.04 / .81 7.38 / .74 6.70 / .47 *** *** 11.06 / 5.51 11.08 / 6.48

−107 8.89 / 1.24 8.19 / .98 7.56 / .90 6.94 / .60 *** *** 11.15 / 5.71 11.23 / 6.80

−117 9.29 / 1.47 8.64 / 1.19 8.02 / 1.09 7.44 / .75 *** *** 11.26 / 6.30 11.38 / 7.51

−127 9.60 / 1.66 9.00 / 1.35 8.38 / 1.25 7.83 / .88 *** *** 11.49 / 6.67 11.64 / 8.00

−137 9.79 /1.78 9.23 / 1.48 8.60 / 1.37 8.08 / .99 *** *** 11.65 / 6.89 11.82 / 8.28

−147 10.01 / 1.94 9.50 / 1.62 8.88 / 1.50 8.39 / 1.11 *** *** 11.78 / 7.19 11.99 / 8.67

−157 10.32 / 2.08 9.82 / 1.76 9.19 / 1.63 8.73 / 1.21 *** *** 12.06 / 7.49 12.28 / 9.05

−167 *** *** *** *** *** *** *** ***

FIRM ZONES AE, A1–A30 — CONTENTS RATESELEVATION OF

LOWEST FLOOR ABOVE OR

BELOW THE BFE2

ABOVE GROUND LEVEL MORE THAN 1 FULL FLOOR

Single Family 2–4 Family Other Residential Non-Residential Business8 Other Non-Residential8

+4 .35 / .12 .35 / .12 .22 / .12 .22 / .12

+3 .35 / .12 .35 / .12 .22 / .12 .22 / .12

+2 .35 / .12 .35 / .12 .22 / .12 .22 / .12

+1 .35 / .12 .35 / .12 .22 / .12 .22 / .12

0 .35 / .12 .35 / .12 .22 / .12 .22 / .12

−1 .35 / .12 .35 / .12 .22 / .12 .22 / .12

−2 .35 / .12 .35 / .12 .22 / .12 .22 / .12


2. If the Lowest Floor is −1 because of an attached garage and the building is described and rated as a single-family dwelling, see the Lowest Floor Determination subsection in the Lowest Floor Guide section of this manual or contact the insurer for rating guidance; rate may be lower.

3. If the lowest floor of a crawlspace or subgrade crawlspace is −1, use Submit-For-Rate procedures (Pre-FIRM or Post-FIRM). If the lowest floor of an enclosure below the elevated floor of a Post-FIRM building is −1, also use Submit-For-Rate procedures.

4. Includes subgrade crawlspace.5. Use Submit-for-Rate procedures if there is an elevator below the BFE regardless of whether there is an enclosure or not.6. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual. 7. For elevations of −2 and below and −1 and below for Manufactured (Mobile) Homes, follow Submit-for-Rate procedures in this manual.

These rates supersede the rates in the SRG manual.8. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules

section of this manual.


RATE 9

TABLE 3C. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATESANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)

UNNUMBERED ZONE A — WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1, 2

ELEVATION DIFFERENCE

BUILDING RATES CONTENTS RATES

TYPE OF ELEVATION CERTIFICATE

Occupancy Occupancy

1–4 Family

Other Residential, Non-Residential Business, Other Non-Residential3 Residential4

Non-Residential Business, Other

Non-Residential3, 4

+5 or more .53 / .11 .49 / .18 .30 / .09 .28 / .09

No Base Flood Elevation5

+2 to +4 1.53 / .16 1.37 / .31 .73 / .09 .64 / .09

+1 2.99 / .20 2.63 / .41 1.33 / .11 1.50 / .16

0 or below *** *** *** ***

+2 or more .52 / .09 .48 / .14 .29 / .09 .26 / .10

With Base Flood Elevation6

0 to +1 2.48 / .18 2.18 / .31 1.12 / .10 .97 / .11

−1 5.92 / .39 5.12 / .57 2.56 / .16 2.22 / .33

−2 or below *** *** *** ***

No Elevation Certificate7 7.59 / 1.30 6.67 / .90 3.52 / .80 3.01 / .96 No Elevation Certificate

1. Buildings with basement, enclosure, crawlspace, or subgrade crawlspace: follow Submit-for-Rate procedures. Unfinished partial enclosures below a Pre-FIRM building that are used solely for parking, storage, and building access and are located below the BFE are eligible for Special Rate Consideration.

2. Pre-FIRM buildings may use this table if the rates are more favorable to the insured.3. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules

section of this manual. 4. For elevation-rated risks other than Single Family, when contents are located 1 floor or more above lowest floor used for rating – use

Table 3B, Contents Rates, Above Ground Level More Than 1 Full Floor. 5. Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor

of the building. 6. Elevation difference is the measured distance between the BFE provided by the community or registered professional engineer,

surveyor, or architect and the lowest floor of the building. 7. For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers.

Provisional or tentative rates are to be used for new business without an Elevation Certificate.


RATE 10

TABLE 3D. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 1


FIRM ZONES ’75–’81, V1–V30, VE — BUILDING RATES2


ABOVE OR BELOW THE BFE


Crawlspace3, 4


Crawlspace3, 4


Crawlspace3, 4MANUFACTURED (MOBILE) HOME5

1–4 Family

Other Residential,


Other Residential,


Other Residential,



07 5.97 / 1.04 7.21 / 2.74 4.84 / 1.04 5.25 / 2.57 4.18 / 1.04 4.69 / 2.07 8.87 / .88 9.73 / .78

−18 10.69 / 5.97 11.15 / 9.59 10.69 / 5.97 10.69 / 7.30 8.24 / 5.83 8.63 / 7.96 *** ***

−2 *** *** *** *** *** *** *** ***

FIRM ZONES ’75–’81, V1–V30, VE — CONTENTS RATES






Crawlspace3


Crawlspace3MANUFACTURED (MOBILE) HOME5

Residential





07 4.47 / 2.03 3.95 / 4.26 3.86 / 1.89 3.86 / 3.86 2.73 / 1.68 2.73 / 1.75 4.63 / 2.29 4.82 / 5.77

−18 9.79 / 7.34 9.61 / 12.11 5.77 / 5.50 6.59 / 7.64 3.22 / 1.72 5.88 / 2.55 *** ***

−2 *** *** *** *** *** *** *** ***

FIRM ZONES ’75–’81, V1–V30, VE — CONTENTS RATES




Single Family 2–4 Family Other ResidentialNon-Residential Business,


07 .56 / .25 .56 / .25 .42 / .25

−18 .56 / .25 .56 / .25 .42 / .25

−2 .56 / .25 .56 / .25 .46 / .25


2. Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating.

3. Includes subgrade crawlspace.4. Use Submit-for-Rate procedures if there is an elevator below the BFE regardless of whether there is an enclosure or not. 5. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.6. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules

section of this manual.7. These rates are to be used if the lowest floor of the building is at or above the BFE.8. Use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, which is used for rating,

is 1 or more feet below the BFE.


FIRM ZONES ’75–’81, UNNUMBERED V ZONE

SUBMIT FOR RATING

RATE 11

TABLE 3E. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATESANNUAL RATES PER $100 OF COVERAGE

1981 POST-FIRM V1–V30, VE ZONE RATES1

ELEVATION OF THE LOWEST FLOOR

ABOVE OR BELOW BFE ADJUSTED FOR WAVE

HEIGHT2

ELEVATED BUILDINGS FREE OF OBSTRUCTION3

CONTENTS BUILDING

Residential

Non-Residential Business,

Other Non-Residential4Replacement Cost Ratio .75 or More5

Replacement Cost Ratio .50 to .745

Replacement Cost Ratio Under .505

+4 or more .80 .81 1.30 1.71 2.38

+3 .87 .87 1.53 1.97 2.76

+2 1.27 1.32 1.98 2.50 3.30

+1 1.71 1.77 2.56 3.06 3.86

0 2.21 2.35 3.06 3.66 4.53

−1 2.98 3.07 3.68 4.32 5.34

−2 3.74 3.91 4.46 5.16 6.24

−3 4.70 4.94 5.45 6.23 7.40

−4 or below *** *** *** *** ***


2. Wave height adjustment is not required in those cases where the FIRM indicates that the map includes wave height. 3. Free of Obstruction – The space below the lowest elevated floor must be completely free of obstructions or any attachment to the

building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or(2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or(3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch.(4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening,

wooden or plastic lattice, slats, or shutters.

4. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized.

5. Any machinery or equipment below the lowest elevated floor must be at or above the BFE.

6. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules section of this manual.

7. These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased through the NFIP by the replacement cost. See the Replacement Cost Ratio subsection in this section for more details.

8. NOTE: Use Submit-for-Rate procedures if there is an elevator below the BFE enclosed with lattice, slats, or shutters (including louvers).


1981 POST-FIRM V1–V30, VE ZONE Non-Elevated Buildings

SUBMIT FOR RATING

1981 POST-FIRM UNNUMBERED V ZONE

SUBMIT FOR RATING

RATE 12

TABLE 3F. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATESANNUAL RATES PER $100 OF COVERAGE

1981 POST-FIRM V1–V30, VE ZONE RATES1,2

ELEVATION OF THE LOWEST FLOOR

ABOVE OR BELOW BFE ADJUSTED FOR WAVE HEIGHT3

ELEVATED BUILDINGS WITH OBSTRUCTION4

CONTENTS BUILDING

Residential


Replacement Cost Ratio .75 or More6

Replacement Cost Ratio .50 to .746

Replacement Cost Ratio Under .506

+4 or more 1.08 1.08 2.16 2.71 3.80

+3 1.14 1.14 2.60 3.29 4.56

+2 1.54 1.54 2.98 3.76 5.22

+1 1.95 2.01 3.40 4.28 5.91

0 2.53 2.62 4.02 4.92 6.49

−17 3.30 3.47 4.61 5.54 7.13

−27 4.40 4.58 5.34 6.31 7.91

−37 5.18 5.44 6.28 7.30 8.93

−4 or below7*** *** *** *** ***


2. Rates provided are only for elevated buildings, except those elevated on solid foundation walls. For buildings elevated on solid foundation walls, and for non-elevated buildings, follow the Submit-for-Rate procedures.

3. Wave height adjustment is not required in those cases where the FIRM indicates that the map includes wave height.4. With Obstruction – The space below has an area of less than 300 square feet with breakaway solid walls or contains machinery or

equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See Elevated Buildings – Post-FIRM V-Zone Construction in this section for more details.


6. These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased through the NFIP by the replacement cost. See the Replacement Cost Ratio subsection in this section for more details.

7. For buildings with obstruction, use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below the BFE.

NOTE: Use Submit-for-Rate procedures if there is an elevator below the BFE.


1981 POST-FIRM UNNUMBERED V ZONE

SUBMIT FOR RATING

RATE 13

TABLE 4. REGULAR PROGRAM – FIRM ZONE AR AND AR DUAL ZONES1 NOT ELEVATION-RATED RATES


PRE-FIRM RATES2


NON-RESIDENTIAL BUSINESS, OTHER NON-RESIDENTIAL3


BUIL

DING

TYP

E

No Basement/Enclosure 1.09 / .30 1.67 / .53 1.09 / .30 1.03 / .30 1.03 / .30

With Basement 1.22 / .42 1.87 / .61 1.22 / .42 1.31 / .42 1.31 / .42

With Enclosure 1.22 / .46 1.87 / .69 1.22 / .46 1.31 / .46 1.31 / .46

Elevated on Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 1.03 / .30 1.03 / .30

Non-Elevated with Subgrade Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 1.03 / .30 1.03 / .30

Manufactured (Mobile) Home4 1.09 / .54 1.67 / .53 1.31 / .57

CON

TEN

TS L

OCAT

ION

Basement & Above 2.11 / .79 2.11 / .79 2.16 / .86

Enclosure & Above 2.11 / .90 2.11 / .90 2.16 / 1.00





POST-FIRM RATES


NON-RESIDENTIAL BUSINESS, OTHER NON-RESIDENTIAL3


BUIL

DING

TYP

E

No Basement/Enclosure 1.09 / .30 1.67 / .53 1.09 / .30 1.03 / .30 1.03 / .30

With Basement 1.22 / .42 1.87 / .61 1.22 / .42 1.31 / .42 1.31 / .42

With Enclosure 1.22 / .46 1.87 / .69 1.22 / .46 1.31 / .46 1.31 / .46

Elevated on Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 1.03 / .30 1.03 / .30

Non-Elevated with Subgrade Crawlspace 1.09 / .30 1.67 / .53 1.09 / .30 1.03 / .30 1.03 / .30

Manufactured (Mobile) Home4 1.09 / .54 1.67 / .53 1.31 / .57

CON

TEN

TS L

OCAT

ION

Basement & Above 2.11 / .79 2.11 / .79 2.16 / .86

Enclosure & Above 2.11 / .90 2.11 / .90 2.16 / 1.00





1. Properties in AR zones may be eligible for the PRP. Refer to the PRP section of this manual.2. Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74,

or before the effective date of the initial FIRM, whichever is later.3. For further guidance on Non-Residential Business and Other Non-Residential occupancies, refer to the General Rules

section of this manual.4. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.

RATE 14

TABLE 5. REGULAR PROGRAM – PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES


FIRM ZONES AR and AR Dual Zones1 — BUILDING RATES




Crawlspace2


Crawlspace2



1–4 Family

Other Residential, Non-Residential Business, Other Non-Residential4 1–4 Family

Other Residential, Non-Residential Business, Other Non-Residential4 1–4 Family

Other Residential, Non-Residential Business, Other Non-Residential4 Single Family


+4 .28 / .08 .27 / .12 .24 / .08 .21 / .08 .24 / .08 .20 / .08 .30 / .15 .30 / .24

+3 .32 / .08 .31 / .15 .27 / .08 .24 / .08 .27 / .08 .23 / .09 .35 / .17 .34 / .25

+2 .47 / .10 .44 / .19 .39 / .08 .34 / .08 .32 / .08 .28 / .10 .50 / .23 .49 / .34

+1 .88 / .14 .81 / .29 .71 / .08 .61 / .09 .46 / .08 .36 / .12 .96 / .30 .93 / .51

0 1.09 / .30 1.03 / .30 1.09 / .30 1.03 / .30 .68 / .08 .58 / .14 1.09 / .30 1.31 / .57

−15 SEE FOOTNOTE 5

FIRM ZONES AR and AR Dual Zones1 — CONTENTS RATES






Crawlspace2



Residential





+4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .23 / .12

+3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .26 / .13

+2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .15 .36 / .18

+1 .48 / .12 .42 / .12 .38 / .12 .31 / .12 .38 / .12 .22 / .12 .64 / .23 .62 / .27

0 .95 / .12 .79 / .12 .69 / .12 .60 / .12 .38 / .12 .22 / .12 1.23 / .37 1.17 / .55


FIRM ZONES AR and AR Dual Zones1 — CONTENTS RATESELEVATION OF

LOWEST FLOOR ABOVE OR

BELOW THE BFE


Single Family 2–4 Family Other ResidentialNon-Residential Business,


+4 .35 / .12 .35 / .12 .22 / .12

+3 .35 / .12 .35 / .12 .22 / .12

+2 .35 / .12 .35 / .12 .22 / .12

+1 .35 / .12 .35 / .12 .22 / .12

0 .35 / .12 .35 / .12 .22 / .12

−16 .35 / .12 .35 / .12 .22 / .12

−26 .35 / .12 .35 / .12 .22 / .12

1. Properties in AR zones may be eligible for the PRP. Refer to the PRP section of this manual.

2. Includes subgrade crawlspace.

3. Manufactured (Mobile) Homes include travel trailers that meet the definition of a building; see the Definitions section of this manual.


5. For elevation for -1 and below, refer to Table 4.

6. These rates are applicable only to contents-only policies.

RATE 19

TABLE 9. STANDARD FLOOD INSURANCE POLICY INCREASED COST OF COMPLIANCE (ICC) COVERAGE

Premiums for $30,000 ICC Coverage

All Except RCBAP, PRP, Newly Mapped, MPPP, Provisionally Rated, and Submit-for-Rate Policies

1–4 FAMILY

OTHER RESIDENTIAL, NON-RESIDENTIAL BUSINESS,

OTHER NON-RESIDENTIAL

Building Amount of Insurance Building Amount of Insurance

RATE TABLE RATED ZONE BUILDING TYPE


$1– $230,000

$230,001–$250,000

$1– $480,000

$480,001–$500,000

Table 1 N/A All Emergency Program N/A $0 $0 $0 $0

Table 2A, 2B, 2C, and 2D

A, AE, A1–A30, AO, AH, V, VE, and V1–V30

All Pre-FIRMN/A $70 $55 $70 $55

A99, B, C, X, D All Pre-FIRM N/A $5 $4 $5 $4

Table 3A A99, B, C, and X All Pre-FIRM and Post-FIRM N/A $5 $4 $5 $4

AO, AH, and D All Post-FIRM without basement/enclosure or All Pre-FIRM Optional Rating

N/A $5 $4 $5 $4

Table 3B AE, A1–A30 All Post-FIRM and Pre-FIRM Optional Rating > −2 $5 $4 $5 $4

Post-FIRM Non-Elevated; Pre-FIRM Non-Elevated or Elevated with full enclosure

< −1 $34 $24 $34 $24

Post-FIRM Elevated; Pre-FIRM Elevated, partial or no enclosure

< −1 $9 $6 $9 $6

Table 3C Unnumbered A All Post-FIRM withoutbasement/enclosure or AllPre-FIRM Optional Rating

N/A (All) $5 $4 $5 $4

Table 3D (’75-’81) VE, V1–V30

All Post-FIRM and Pre-FIRM Optional Rating > −2 $30 $20 $30 $20

Table 3E (Post ’81) VE, V1–V30

Post-FIRM Elevated no enclosure and Pre-FIRM Elevated no obstruction (no enclosure) and ’75–’81 Post-FIRM no obstruction

> −4 $18 $13 $18 $13

Table 3F (Post ’81) VE, V1–V30

Post-FIRM Elevated with enclosure < 300 SF breakaway and Pre-FIRM or ’75-’81 Post-FIRM Optional rating Elevated with enclosure < 300 SF breakaway

> −4 $18 $13 $18 $13

Table 4 AR and AR Dual All (rated without elevation) N/A $5 $4 $5 $4

Table 5 AR and AR Dual All (rated with elevation) > −1 $5 $4 $5 $4

Table 6 A, AE, A1–A30, AO, AH, V, VE, V1–V30

All Tentative RateN/A $5 $4 $5 $4

NOTES:(1) ICC coverage does not apply to the Emergency Program, individually owned condominium units located within a multi-unit building

and insured under the Dwelling Form, contents-only policies, and GFIPs.(2) The ICC Premium is not eligible for the deductible discount. (3) For RCBAP, PRP, Newly Mapped, MPPP, and Provisionally Rated policies, use the ICC Premiums contained in applicable sections

of this manual.(4) Use the ICC Premiums above for Table 3B for elevations of −2 and below. For all other Submit-for-Rate policies,

refer to the SRG manual.(5) For further guidance on Other Residential, Non-Residential Business and Other Non-Residential occupancies, refer to the General

Rules section of this manual.

CONDO 11

TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATESANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)

BUILDING

BUILDING TYPE

REGULAR PROGRAM PRE-FIRM1, 2, 3 REGULAR PROGRAM POST-FIRMA, A1–A30,

AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X DNO BASEMENT/ENCLOSURE 1.15 / .331 1.48 / .794 1.30 / .072 1.30 / .072 1.88 / .337WITH BASEMENT 1.24 / .441 1.57 / 1.663 1.58 / .096 1.58 / .096

SUBMIT FOR RATE

WITH ENCLOSURE 1.24 / .331 1.57 / .816 1.37 / .072 1.37 / .072ELEVATED ON CRAWLSPACE 1.15/ .331 1.48 / .794 1.30 / .072 1.30 / .072NON-ELEVATED WITH SUBGRADE CRAWLSPACE 1.15 / .331 1.48 / .794 1.30 / .072 1.30 / .072

CONTENTS

CONTENTS LOCATION

REGULAR PROGRAM PRE-FIRM1, 2, 3 REGULAR PROGRAM POST-FIRMA, A1–A30,

AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X DBASEMENT/SUBGRADE CRAWLSPACE AND ABOVE 1.31 / 1.44 1.68 / 3.46 2.11 / .79 2.11 / .79 SUBMIT

FOR RATEENCLOSURE/CRAWLSPACE

AND ABOVE 1.31 / 1.71 1.68 / 4.06 2.11 / .90 2.11 / .90

LOWEST FLOOR ONLY – ABOVE GROUND LEVEL 1.31 / 1.71 1.68 / 4.06 1.67 / .83 1.67 / .83 1.45 / .32

LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS 1.31 / 1.19 1.68 / 3.57 1.67 / .53 1.67 / .53 1.07 / .20

ABOVE GROUND LEVEL MORE THAN 1 FULL FLOOR .38 / .12 .54 / .47 .35 / .12 .35 / .12 .35 / .12

BUILDING — A1–A30, AE · POST-FIRM4


3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE4, 5

3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/CRAWLSPACE4, 5

+4 .34 / .046 .30 / .046+3 .39 / .046 .34 / .046+2 .55 / .046 .40 / .046+1 1.01 / .061 .56 / .061

0 2.29 / .075 1.44 / .075 −16, 7 6.10 / .174 3.48 / .149−2 SUBMIT FOR RATE

CONTENTS — A1–A30, AE · POST-FIRM4


LOWEST FLOOR ONLY – ABOVE GROUND LEVEL (NO BASEMENT/

ENCLOSURE/CRAWLSPACE5)

LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER

(NO BASEMENT/ENCLOSURE/CRAWLSPACE5)

BASEMENT/ENCLOSURE/ CRAWLSPACE5 AND ABOVE

ABOVE GROUND LEVEL MORE THAN

1 FULL FLOOR+4 .38 / .12 .38 / .12 .38 / .12 .35 /.12+3 .38 / .12 .38 / .12 .38 / .12 .35 /.12+2 .38 / .12 .38 / .12 .38 / .12 .35 /.12+1 .48 / .12 .38 / .12 .38 / .12 .35 /.12

0 .95 / .12 .69 / .12 .38 / .12 .35 /.12 −16, 7 2.47 / .37 1.47 / .24 .56 / .12 .35 /.12−2 SUBMIT FOR RATE .35 /.12

1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM, whichever is later. If there has been a lapse in coverage, refer to Table 2B, Pre-FIRM Subsidized Rate Ineligibility Determination, to confirm whether Pre-FIRM subsidized rates can be used.

2 Refer to the Pre-FIRM rating hierarchy guidance and chart in Table 2C to determine which Pre-FIRM rate table to use.3 Pre-FIRM buildings may use Post-FIRM elevation rating if more favorable to the insured. However, when the lowest floor elevation is

below the Base Flood Elevation (BFE), follow the Submit-for-Rate procedures for policy processing.4 Pre-FIRM elevated buildings with or without enclosure/crawlspace must use the “No Basement/Enclosure/Crawlspace” columns. Use

the Lowest Floor Guide to determine the lowest floor elevation for rating. Unfinished partial enclosures below a Pre-FIRM building that are used solely for parking, storage, and building access and are located below the BFE are eligible for Special Rate Consideration.

5 Includes subgrade crawlspace.6 Use Submit-for-Rate procedures if there is an elevator below the BFE regardless of whether there is an enclosure or not.7 If the lowest floor of a crawlspace or subgrade crawlspace is −1, use submit-for-rate procedures (Pre-FIRM or Post-FIRM). If the lowest

floor of an enclosure below the elevated floor of a Post-FIRM building is −1, also use submit-for-rate procedures.

CONDO 12

TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATESPRE-FIRM SUBSTANTIAL IMPROVEMENT ON OR AFTER APRIL 1, 2015 1, 2, 3


BUILDING

BUILDING TYPE

REGULAR PROGRAM PRE-FIRM

A, A1–A30, AE, AO, AH, D V, VE A99, B, C, X

NO BASEMENT/ENCLOSURE 2.10 / .577 2.68 / 1.437 1.30 / .072

WITH BASEMENT 2.22 / .812 2.85 / 3.062 1.58 / .096

WITH ENCLOSURE 2.22 / .577 2.85 / 1.483 1.37 / .072

ELEVATED ON CRAWLSPACE 2.10 / .577 2.68 / 1.437 1.30 / .072

NON-ELEVATED WITH SUBGRADE CRAWLSPACE 2.10 / .577 2.68 / 1.437 1.30 / .072

CONTENTS

CONTENTS LOCATION

REGULAR PROGRAM PRE-FIRM

A, A1–A30, AE, AO, AH, D V, VE A99, B, C, X

BASEMENT/SUBGRADE CRAWLSPACE AND ABOVE 2.37 / 2.57 3.06 / 6.25 2.11 / .79

ENCLOSURE/CRAWLSPACE AND ABOVE 2.37 / 3.06 3.06 / 7.35 2.11 / .90

LOWEST FLOOR ONLY – ABOVE GROUND LEVEL 2.37 / 3.06 3.06 / 7.35 1.67 / .83

LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS 2.37 / 2.12 3.06 / 6.47 1.67 / .53

ABOVE GROUND LEVEL MORE THAN 1 FULL FLOOR .35 / .12 .59 / .51 .35 / .12

1 Use this table to rate a Pre-FIRM building that has been substantially improved on or after April 1, 2015. If there has been a lapse in coverage, refer to Table 2B, Pre-FIRM Subsidized Rate Ineligibility Determination, to confirm whether Pre-FIRM subsidized rates can be used.

2 Refer to the Pre-FIRM rating guidance hierarchy and chart in Table 2C to determine which Pre-FIRM rate table to use.

3 Pre-FIRM buildings may use Post-FIRM elevation rating if more favorable to the insured. However, when the lowest floor elevation is below the Base Flood Elevation (BFE), follow the Submit-for-Rate procedures for policy processing.

CONDO 13

TABLE 3C. RCBAP HIGH-RISE CONDOMINIUM RATESANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)

AO, AH POST-FIRMNO BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE BUILDINGS1

BUILDING CONTENTS

WITH CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE2 .72 /.055 .47 /.13

WITHOUT CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE3, 8 2.37 /.090 1.05 /.15

POST-FIRM UNNUMBERED A ZONE WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,4

ELEVATION DIFFERENCE BUILDING CONTENTS5 TYPE OF ELEVATION CERTIFICATE

+5 OR MORE .88 /.070 .30 /.09

NO BASE FLOOD ELEVATION6

+2 TO +4 1.71 /.082 .73 /.12

+1 3.29 /.190 1.33 /.13

0 OR BELOW *** ***

+2 OR MORE .75 /.058 .29 /.09

WITH BASE FLOOD ELEVATION7

0 TO +1 2.35 /.082 1.12 /.10

−1 6.66 /.240 2.56 /.16

−2 OR BELOW *** ***

NO ELEVATION CERTIFICATE8 8.34 /1.30 3.52 /.80 NO ELEVATION CERTIFICATE

1 Post-FIRM buildings in zones A, AO, or AH with basement, enclosure, crawlspace, or subgrade crawlspace: follow Submit-for-Rate procedures. Pre-FIRM buildings in AO or AH Zones with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the “With Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures.

2 “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of Compliance. This rule applies to all building types, including buildings with basement/enclosure/crawlspace/subgrade crawlspace.

3 “Without Certification of Compliance or Elevation Certificate” rates are to be used on Post-FIRM buildings when the Elevation Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. These rates may be used for Pre-FIRM buildings when more favorable to the insured than Pre-FIRM subsidized rates.

4 Pre-FIRM buildings in Unnumbered A Zones with basement, enclosure, or crawlspace may use this table if the rates are more favorable to the insured. For buildings with subgrade crawlspace, follow the optional Submit-for-Rate procedures.

5 For elevation-rated policies, when contents are located 1 floor or more above the lowest floor used for rating, use .35/.12.

6 NO BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building.

7 WITH BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the BFE provided by the community or registered professional engineer, surveyor, or architect.

8 For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers.

***Use the Specific Rating Guidelines (SRG) manual.

CONDO 14

TABLE 3D. RCBAP HIGH-RISE CONDOMINIUM RATESANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)

AR AND AR DUAL ZONES

BUILDING – PRE-FIRM1 AND POST-FIRM NOT ELEVATION-RATED

BUILDING TYPE RATES

No Basement/Enclosure 1.30 /.072

With Basement 1.58 /.096

With Enclosure 1.37 /.072

Elevated on Crawlspace 1.30 /.072

Non-Elevated with Subgrade Crawlspace 1.30 /.072

CONTENTS – PRE-FIRM1 AND POST-FIRM NOT ELEVATION-RATED

CONTENTS LOCATION RATES

Basement/Subgrade Crawlspace and above 2.11 /.79

Enclosure/Crawlspace and above 2.11 /.90

Lowest floor only – above ground level 1.67 /.83

Lowest floor above ground level and higher floors 1.67 /.53

Above ground level more than 1 full floor .35 /.12

BUILDING – PRE-FIRM AND POST-FIRM ELEVATION-RATED


3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE2

3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/CRAWLSPACE2

+4 .34 /.046 .30 /.046

+3 .39 /.046 .34 /.046

+2 .55 /.046 .40 /.046

+1 1.01 /.061 .56 /.061

0 1.30 /.072 1.44 /.075


CONTENTS – PRE-FIRM AND POST-FIRM ELEVATION-RATED


LOWEST FLOOR ONLY – ABOVE GROUND LEVEL (NO

BASEMENT/ENCLOSURE/CRAWLSPACE2)

LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BASEMENT/ENCLOSURE/

CRAWLSPACE2)

BASEMENT/ENCLOSURE/ CRAWLSPACE2

AND ABOVE

ABOVE GROUND LEVEL – MORE THAN 1 FULL FLOOR

+4 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+3 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+2 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+1 .48 /.12 .38 /.12 .38 /.12 .35 /.12

0 .95 /.12 .69 /.12 .38 /.12 .35 /.12


1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM, whichever is later.

2 Includes subgrade crawlspace.

3 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above.

CONDO 15

TABLE 3E. RCBAP HIGH-RISE CONDOMINIUM RATES 1


REGULAR PROGRAM — 1975–19812 POST-FIRM CONSTRUCTION3 FIRM ZONES V1–V30, VE — BUILDING RATES

ELEVATION OF LOWEST FLOOR ABOVE OR BELOW THE BFE

BUILDING TYPE

3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE4, 5

3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/CRAWLSPACE4, 5

06 5.69 / .334 5.37 / .334

−17 13.30 / 1.244 8.96 / .956

−2 *** ***

1975–1981 POST-FIRM CONSTRUCTION FIRM ZONES V1–V30, VE — CONTENTS RATES



CONTENTS LOCATION

LOWEST FLOOR ONLY − ABOVE GROUND LEVEL



FLOORS (NO BASEMENT/ENCLOSURE/CRAWLSPACE4)


ABOVE GROUND LEVEL − MORE

THAN 1 FULL FLOOR

06 5.14 / 2.01 4.55 / 1.93 2.81 / 1.71 .56 / .25

−17 8.81 / 7.15 7.22 / 7.15 3.30 / 1.78 .56 / .25

−2 *** *** *** ***

1 Pre-FIRM elevated buildings with or without enclosure/crawlspace must use the “No Basement/Enclosure/Crawlspace” columns. Use the Lowest Floor Guide to determine the lowest floor elevation for rating. Unfinished partial enclosures below a Pre-FIRM building that are used solely for parking, storage and building access and are located below the BFE are eligible for Special Rate Consideration.

2 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating.

3 For 1981 Post-FIRM construction rating, refer to Tables 5A and 5B.


5 Use Submit-for-Rate procedures if there is an elevator below the BFE regardless of whether there is an enclosure or not.

6 These rates are to be used if the lowest floor of the building is at or above the BFE.

7 Use Submit-for-Rate procedures if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below the BFE.

***Use the SRG manual.

REGULAR PROGRAM 1975–1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE — ELEVATED BUILDINGS

SUBMIT FOR RATING

CONDO 16

TABLE 4A. RCBAP LOW-RISE CONDOMINIUM RATES(Including Townhouse/Rowhouse)


REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES 1, 2, 3

For Pre-FIRM 1-4 Family SRL property renewals, use Table 4B.

FIRM ZONES: A, A1–A30, AE, AO, AH, D V, VE A99, B, C, X

BUILDING CONTENTS BUILDING CONTENTS BUILDING CONTENTS

BUILDING TYPE

NO BASEMENT/ENCLOSURE .94 / .93 1.31 / 1.75 1.27 / 2.35 1.68 / 4.33 .80 / .22 1.28 / .39

WITH BASEMENT 1.03 / 1.14 1.31 / 1.75 1.36 / 4.08 1.68 / 4.08 .87 / .32 1.45 / .48

WITH ENCLOSURE 1.03 / 1.36 1.31 / 1.75 1.36 / 4.43 1.68 / 4.43 .87 / .36 1.45 / .58

ELEVATED ON CRAWLSPACE .94 / .93 1.31 / 1.75 1.27 / 2.35 1.68 / 4.33 .80 / .22 1.28 / .39

NON-ELEVATED WITH SUBGRADE CRAWLSPACE .94 / .93 1.31 / 1.75 1.27 / 2.35 1.68 / 4.33 .80 / .22 1.28 / .39

REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES

FIRM ZONES: A99, B, C, X D

BUILDING CONTENTS BUILDING CONTENTS

BUILDING TYPE

NO BASEMENT/ENCLOSURE .80 / .22 1.28 / .39 2.37 / .42 1.45 / .32

WITH BASEMENT .87 / .32 1.45 / .48 *** ***

WITH ENCLOSURE .87 / .36 1.45 / .58 *** ***

ELEVATED ON CRAWLSPACE .80 / .22 1.28 / .39 2.37 / .42 1.45 / .32

NON-ELEVATED WITH SUBGRADE CRAWLSPACE .80 / .22 1.28 / .39 2.37 / .42 1.45 / .32

FIRM ZONES: AO, AH (NO BASEMENT/ENCLOSURE/CRAWLSPACE BUILDINGS ONLY 4)

BUILDING CONTENTS

WITH CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE5 .23 / .08 .38 / .13

WITHOUT CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE6, 7 1.56 / .23 .84 / .15

1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM, whichever is later. If there has been a lapse in coverage, refer to Table 2B, Pre-FIRM Subsidized Rate Ineligibility Determination, to confirm whether Pre-FIRM subsidized rates can be used.

2 Refer to the Pre-FIRM rating hierarchy guidance and chart in Table 2C to determine which Pre-FIRM rate table to use.


4 Zones AO, AH Buildings with basement/enclosure/crawlspace/subgrade crawlspace: follow Submit-for-Rate procedures. Pre-FIRM buildings in AO or AH Zones with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the “With Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures.

5 “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of Compliance. This rule applies to all building types, including buildings with basement/enclosure/crawlspace/subgrade crawlspace.

6 “Without Certification of Compliance or Elevation Certificate” rates are to be used on Post-FIRM buildings when the Elevation Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. These rates may be used for Pre-FIRM buildings when more favorable to the insured than Pre-FIRM subsidized rates.

7 For transfers and renewals of existing business where there is no Letter of Compliance or Elevation Certificate in the company’s file, these rates can continue to be used. For new business effective on or after October 1, 2011, the provisions of footnote 4 apply.


CONDO 17

TABLE 4B. RCBAP LOW-RISE CONDOMINIUM RATES 1–4 FAMILY SEVERE REPETITIVE LOSS PROPERTIES 1

(Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)

REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES 2, 3, 4



BUILDING TYPE

NO BASEMENT/ENCLOSURE 1.83 / 2.00 2.55 / 3.71 2.45 / 5.07 3.25 /9.32 .80 / .22 1.28 / .39

WITH BASEMENT 1.98 / 2.45 2.55 / 3.12 2.62 / 8.77 3.25 /8.76 .87 / .32 1.45 / .48

WITH ENCLOSURE 1.98 / 2.92 2.55 / 3.20 2.62 / 9.57 3.25 /9.55 .87 / .36 1.45 / .58

ELEVATED ON CRAWLSPACE 1.83 / 2.00 2.55 / 3.71 2.45 / 5.07 3.25 /9.32 .80 / .22 1.28 / .39

NON-ELEVATED WITH SUBGRADE CRAWLSPACE 1.83 / 2.00 2.55 / 3.71 2.45 / 5.07 3.25 /9.32 .80 / .22 1.28 / .39

1 For additional guidance, refer to the Severe Repetitive Loss Properties section of this manual.

2 Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM), whichever is later. If there has been a lapse in coverage, refer to Table 2B, Pre-FIRM Subsidized Rate Ineligibility Determination, to confirm whether Pre-FIRM subsidized rates can be used.

3 Refer to Table 2C, Pre-FIRM Rate Table Hierarchy, to determine which Pre-FIRM rate table to use.

4 Pre-FIRM buildings may use Post-FIRM elevation rating if more favorable to the insured. However, when the lowest floor elevation is below the BFE, follow the Submit-for-Rate procedures for policy processing.

CONDO 18

TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATESPRE-FIRM SUBSTANTIAL IMPROVEMENT ON OR AFTER APRIL 1, 2015 1, 2, 3


REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES



BUILDING TYPE

NO BASEMENT/ENCLOSURE 1.72 / 1.68 2.37 / 3.17 2.30 / 4.30 3.06 / 7.90 .80 / .22 1.28 / .39

WITH BASEMENT 1.83 / 2.07 2.37 / 2.65 2.46 /7.42 3.06 / 7.42 .87 / .32 1.45 / .48

WITH ENCLOSURE 1.83 / 2.46 2.37 / 2.73 2.46 /8.08 3.06 / 8.08 .87 / .36 1.45 / .58

ELEVATED ON CRAWLSPACE 1.72 / 1.68 2.37 / 3.17 2.30 / 4.30 3.06 / 7.90 .80 / .22 1.28 / .39

NON-ELEVATED WITH SUBGRADE CRAWLSPACE 1.72 / 1.68 2.37 / 3.17 2.30 / 4.30 3.06 / 7.90 .80 / .22 1.28 / .39

1 Use this table to rate a Pre-FIRM building that has been substantially improved on or after April 1, 2015. If there has been a lapse in coverage, refer to Table 2B in this section of the manual, Pre-FIRM Subsidized Rate Ineligibility Determination to confirm whether Pre-FIRM subsidized rates can be used.

2 Refer to the Pre-FIRM rating guidance hierarchy and chart in Table 2C to determine which Pre-FIRM rate table to use.


CONDO 19

TABLE 4D. RCBAP LOW-RISE CONDOMINIUM RATES 1 (Including Townhouse/Rowhouse)


REGULAR PROGRAM – POST-FIRM CONSTRUCTION FIRM ZONES A1–A30, AE — BUILDING RATES

ELEVATION OF LOWEST FLOOR ABOVE OR BELOW THE BFE2

BUILDING TYPE

1 FLOOR NO BASEMENT/ENCLOSURE/CRAWLSPACE3

MORE THAN 1 FLOOR NO BASEMENT/ENCLOSURE/

CRAWLSPACE3

MORE THAN 1 FLOOR WITH BASEMENT/ENCLOSURE/

CRAWLSPACE3

+4 .27 / .10 .24 / .08 .21 / .08

+3 .31 / .10 .27 / .08 .24 / .08

+2 .44 / .10 .35 / .08 .34 / .08

+1 .81 / .12 .57 / .08 .43 / .09

0 1.83 / .21 1.43 / .09 .75 / .12

−14 4.40 / .47 3.74 / .20 .99 / .14

−2 *** *** ***

FIRM ZONES A1–A30, AE — CONTENTS RATES


ABOVE OR BELOW THE BFE2

CONTENTS LOCATION




FLOORS (NO BASEMENT/ ENCLOSURE/CRAWLSPACE3)

BASEMENT/ENCLOSURE/ CRAWLSPACE3

AND ABOVE

ABOVE GROUND LEVEL — MORE THAN

1 FULL FLOOR

+4 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+3 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+2 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+1 .48 /.12 .38 /.12 .38 /.12 .35 /.12

0 .95 /.12 .69 /.12 .38 /.12 .35 /.12

−14 2.01 /.37 1.47 /.24 .56 /.12 .35 /.12

−2 *** *** *** .35 /.12

1 Pre-FIRM elevated buildings with or without enclosure/crawlspace must use the “No Basement/Enclosure/Crawlspace” columns. Use the Lowest Floor Guide to determine the lowest floor elevation for rating. Unfinished partial enclosures below a Pre-FIRM building that are used solely for parking, storage and building access and are located below the BFE are eligible for Special Rate Consideration.

2 If the Lowest Floor is −1 or lower because of an attached garage and the building is described and rated as a single-family dwelling, see the Lowest Floor Determination subsection in the Lowest Floor Guide section of this manual or contact the insurer for rating guidance; rate may be lower.


4 If the lowest floor of a crawlspace or subgrade crawlspace is −1, use submit-for-rate procedures (Pre-FIRM or Post-FIRM). If the lowest floor of an enclosure below the elevated floor of a Post-FIRM building is −1, also use submit-for-rate procedures.


CONDO 20

TABLE 4E. RCBAP LOW-RISE CONDOMINIUM RATES(Including Townhouse/Rowhouse)


REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES UNNUMBERED ZONE A – WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE 1, 2

ELEVATION DIFFERENCE BUILDING CONTENTS3 TYPE OF ELEVATION CERTIFICATE

+5 OR MORE .53 / .11 .60 / .12

NO BASE FLOOD ELEVATION4+2 TO +4 1.53 / .16 1.02 / .12

+1 2.99 / .20 2.10 / .14

0 OR BELOW *** ***

+2 OR MORE .52 / .09 .60 / .12

WITH BASE FLOOD ELEVATION50 TO +1 1.82 / .18 1.60 / .13

−1 5.92 / .46 3.80 / .17

−2 OR BELOW *** ***

NO ELEVATION CERTIFICATE6 7.59 / 1.30 5.43 / .90 NO ELEVATION CERTIFICATE

1 Zone A buildings with basement/enclosure without proper openings/crawlspace without proper openings/subgrade crawlspace: follow Submit-for-Rate procedures in the Rating section of this manual.

2 Pre-FIRM buildings with basement, enclosure, or crawlspace may use this table if the rates are more favorable to the insured. For buildings with subgrade crawlspace, follow the optional Submit-for-Rate procedures.

3 For elevation-rated policies, when contents are located 1 floor or more above lowest floor used for rating, use .35/.12.

4 NO BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building.

5 WITH BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the BFE provided by the community or registered professional engineer, surveyor, or architect.

6 For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers.


CONDO 21

TABLE 4F. RCBAP LOW-RISE CONDOMINIUM RATES(Including Townhouse/Rowhouse)


AR AND AR DUAL ZONES

REGULAR PROGRAM – PRE-FIRM1 AND POST-FIRM NOT ELEVATION-RATED RATES

BUILDING TYPE BUILDING CONTENTS

NO BASEMENT/ENCLOSURE .80 /.22 1.28 /.39

WITH BASEMENT .87 /.32 1.45 /.48

WITH ENCLOSURE .87 /.36 1.45 /.58

ELEVATED ON CRAWLSPACE .80 /.22 1.28 /.39

NON-ELEVATED WITH SUBGRADE CRAWLSPACE .80 /.22 1.28 /.39

REGULAR PROGRAM – PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES BUILDING RATES


BUILDING TYPE



CRAWLSPACE2


CRAWLSPACE2

+4 .27 / .10 .24 /. 08 .21 / .08

+3 .31 / .10 .27 / .08 .24 / .08

+2 .44 / .10 .35 / .08 .34 / .08

+1 .80 / .12 .57 / .08 .43 / .09

0 .80 / .21 .80 / .09 .75 / .12


CONTENTS RATES


CONTENTS LOCATION

LOWEST FLOOR ONLY – ABOVE GROUND

LEVEL (NO BASEMENT/ENCLOSURE/

CRAWLSPACE2)

LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO

BASEMENT/ENCLOSURE/ CRAWLSPACE2)

BASEMENT/ENCLOSURE/ CRAWLSPACE2 AND

ABOVE

ABOVE GROUND LEVEL – MORE THAN 1

FULL FLOOR

+4 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+3 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+2 .38 /.12 .38 /.12 .38 /.12 .35 /.12

+1 .48 /.12 .38 /.12 .38 /.12 .35 /.12

0 .95 /.12 .69 /.12 .38 /.12 .35 /.12


1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM, whichever is later.


3 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above.

CONDO 22

TABLE 4G. RCBAP LOW-RISE CONDOMINIUM RATES 1

(Including Townhouse/Rowhouse)ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)

REGULAR PROGRAM — 1975–1981 POST-FIRM CONSTRUCTION2, 3 FIRM ZONES V1–V30, VE — BUILDING RATES


BUILDING TYPE



CRAWLSPACE4


CRAWLSPACE4

0 5 5.85 / 1.08 4.68 / 1.08 4.04 / 1.08

−16 8.54 / 4.46 7.82 / 4.46 5.58 / 4.05

−2 *** *** ***

REGULAR PROGRAM — 1975–1981 POST-FIRM CONSTRUCTION2, 3 FIRM ZONES V1–V30, VE — CONTENTS RATES


CONTENTS LOCATION

LOWEST FLOOR ONLY – ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/

CRAWLSPACE4)


FLOORS (NO BASEMENT/ENCLOSURE/CRAWLSPACE4)


ABOVE GROUND LEVEL – MORE THAN

1 FULL FLOOR

0 5 5.14 / 2.01 4.55 / 1.93 2.81 / 1.71 .56 / .25

−16 8.81 / 7.15 7.22 / 7.15 3.30 / 1.78 .56 / .25

−2 *** *** *** .56 / .25

1 Pre-FIRM elevated buildings with or without enclosure/crawlspace must use the “No Basement/Enclosure/Crawlspace” columns. Use the Lowest Floor Guide to determine the lowest floor elevation for rating. Unfinished partial enclosures below a Pre-FIRM building that are used solely for parking, storage, and building access and are located below the BFE are eligible for Special Rate Consideration.

2 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating.

3 For 1981 Post-FIRM construction rating, refer to Tables 5A and 5B.


5 These rates are to be used if the lowest floor of the building is at or above the BFE.

6 Use Submit-for-Rate procedures if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below the BFE.


REGULAR PROGRAM — 1975–1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE — ELEVATED BUILDINGS

SUBMIT FOR RATING

CONDO 23

TABLE 5A. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES(Including Townhouse/Rowhouse)

ANNUAL RATES PER $100 OF COVERAGE

1981 POST-FIRM V1–V30, VE ZONE RATES1 ELEVATED BUILDINGS FREE OF OBSTRUCTION2 BELOW THE

BEAM SUPPORTING THE BUILDING’S LOWEST FLOOR

ELEVATION OF THE BOTTOM OF THE FLOOR BEAM OF THE LOWEST FLOOR ABOVE OR

BELOW THE BFE ADJUSTED FOR WAVE HEIGHT AT BUILDING SITE3 BUILDING RATE CONTENTS RATE

+4 or more 1.27 .80

+3 1.46 .86

+2 1.98 1.27

+1 2.69 1.71

0 3.37 2.21

−1 4.06 2.98

−2 4.95 3.74

−3 5.89 4.70

−4 or lower *** ***

Rates above are only for elevated buildings. Use the Specific Rating Guidelines for non-elevated buildings.


2 Free of Obstruction – The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have:

a. Insect screening, provided that no additional supports are required for the screening; or

b. Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or

c. Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch.

d. One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening, wooden or plastic lattice, slats, or shutters.

Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE.

3 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height.

NOTE: For high-rise only, use Submit-for-Rate procedures if there is an elevator below the BFE enclosed with lattice, slats, or shutters (including louvers).


CONDO 24

TABLE 5B. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES(Including Townhouse/Rowhouse)


1981 POST-FIRM V1–V30, VE ZONE RATES1,2

ELEVATED BUILDINGS WITH OBSTRUCTION3 BELOW THE BEAM SUPPORTING THE BUILDING’S LOWEST FLOOR

ELEVATION OF THE BOTTOM OF THE FLOOR BEAM OF THE LOWEST FLOOR ABOVE OR

BELOW THE BFE ADJUSTED FOR WAVE HEIGHT AT BUILDING SITE4 BUILDING RATE CONTENTS RATE

+4 or more 2.34 1.07

+3 2.50 1.14

+2 2.97 1.54

+1 3.39 1.94

0 4.05 2.53

−15 4.97 3.29

−25 5.80 4.40

−35 6.70 5.18

−4 or lower5 *** ***


2 Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document.

3 With Obstruction – The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See the Rating section of this manual for details.

4 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height.

5 For buildings with obstruction, use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below the BFE.

NOTE: For high-rise only, use Submit-for-Rate procedures if there is an elevator below the BFE.


TABLE 5C. RCBAP HIGH-RISE AND LOW-RISE BUILDING RATES (Including Townhouse/Rowhouse)


1981 POST-FIRM V-ZONE RATES

SUBMIT FOR RATING

ATTACHMENT C

UPDATED PREFERRED RISK POLICY PREMIUMS AND

NEWLY MAPPED BASE PREMIUM AND MULTIPLIER TABLES

EFFECTIVE JANUARY 1, 2019

PRP 5

EFFECTIVE JANUARY 1, 2019 TABLE 3A. PRP COVERAGE LIMITS AND BASE PREMIUMS

FOR PROPERTIES CURRENTLY MAPPED IN B, C, X, AR, OR A99 ZONES1

1–4 FAMILY RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS

WITH BASEMENT OR ENCLOSURE2 WITHOUT BASEMENT OR ENCLOSURE3

BUILDING CONTENTS PREMIUM BUILDING CONTENTS PREMIUM

$ 20,000 $ 8,000 $137 $ 20,000 $ 8,000 $108

$ 30,000 $ 12,000 $172 $ 30,000 $ 12,000 $143

$ 50,000 $ 20,000 $230 $ 50,000 $ 20,000 $201

$ 75,000 $ 30,000 $277 $ 75,000 $ 30,000 $243

$100,000 $ 40,000 $307 $100,000 $ 40,000 $274

$125,000 $ 50,000 $325 $125,000 $ 50,000 $290

$150,000 $ 60,000 $345 $150,000 $ 60,000 $312

$200,000 $ 80,000 $385 $200,000 $ 80,000 $345

$250,000 $100,000 $415 $250,000 $100,000 $370

RESIDENTIAL CONTENTS-ONLY COVERAGE

CONTENTS ABOVE GROUND LEVEL MORE THAN 1 FLOOR ALL OTHER LOCATIONS (BASEMENT-ONLY NOT ELIGIBLE)

CONTENTS PREMIUM CONTENTS PREMIUM

$ 8,000 $ 22 $ 8,000 $ 43

$ 12,000 $ 40 $ 12,000 $ 71

$ 20,000 $ 75 $ 20,000 $112

$ 30,000 $ 91 $ 30,000 $134

$ 40,000 $105 $ 40,000 $154

$ 50,000 $119 $ 50,000 $173

$ 60,000 $133 $ 60,000 $192

$ 80,000 $160 $ 80,000 $215

$100,000 $188 $100,000 $239

NOTE: Base Premium does not include the Multiplier, ICC Premium, Reserve Fund Assessment, HFIAA Surcharge, Probation Surcharge, or Federal Policy Fee. To determine the total amount due, refer to the Coverage and Premium subsection in this section of the manual.

1. Use this table for eligible properties in AR or A99 zones on or after October 1, 2016.

2. Use this section of the table for buildings with crawlspaces or subgrade crawlspaces with an attached garage without proper openings.

3. Use this section of the table for buildings with crawlspaces or subgrade crawlspaces, including those with an attached garage, that have proper openings.

PRP 6

EFFECTIVE JANUARY 1, 2019 TABLE 3B. PRP COVERAGE LIMITS AND BASE PREMIUMS


OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONSWith Basement or Enclosure2

CONTENTS COVERAGE $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000

BUIL

DING

COV

ERAG

E

$ 20,000 $153 $169 $183 $198 $212 $225 $237 $248 $260

$ 30,000 $169 $184 $199 $214 $228 $241 $253 $264 $276

$ 50,000 $207 $224 $239 $253 $267 $280 $292 $303 $315

$ 75,000 $226 $242 $257 $271 $285 $298 $311 $321 $333

$100,000 $250 $267 $282 $297 $311 $323 $335 $347 $358

$125,000 $257 $272 $286 $301 $315 $328 $341 $352 $363

$150,000 $262 $277 $292 $307 $320 $333 $346 $357 $369

$200,000 $297 $313 $328 $343 $356 $369 $381 $391 $403

$250,000 $316 $332 $347 $362 $375 $387 $400 $412 $422

$300,000 $332 $347 $361 $374 $387 $399 $412 $422 $433

$350,000 $347 $362 $375 $389 $401 $413 $426 $435 $446

$400,000 $361 $374 $388 $402 $414 $425 $438 $447 $458

$450,000 $373 $387 $400 $414 $425 $436 $449 $459 $469

$500,000 $385 $398 $412 $425 $435 $446 $459 $469 $478

OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONSWithout Basement or Enclosure3


BUIL

DING

COV

ERAG

E

$ 20,000 $120 $134 $146 $159 $171 $182 $192 $203 $212

$ 30,000 $141 $154 $166 $178 $190 $201 $212 $223 $231

$ 50,000 $181 $194 $206 $218 $230 $242 $252 $262 $271

$ 75,000 $204 $216 $229 $241 $252 $263 $274 $284 $293

$100,000 $225 $237 $249 $261 $272 $284 $295 $304 $314

$125,000 $232 $245 $258 $268 $280 $290 $300 $311 $319

$150,000 $241 $253 $266 $276 $288 $298 $309 $318 $328

$200,000 $272 $284 $297 $309 $319 $330 $341 $349 $359

$250,000 $289 $301 $314 $326 $336 $347 $357 $367 $375

$300,000 $315 $325 $336 $346 $356 $367 $374 $383 $392

$350,000 $332 $341 $353 $362 $371 $379 $389 $397 $406

$400,000 $348 $356 $368 $375 $384 $393 $402 $410 $419

$450,000 $363 $370 $379 $388 $397 $405 $414 $421 $431

$500,000 $375 $382 $392 $400 $407 $417 $425 $432 $442


1. Use this table for eligible properties in AR or A99 zones on or after October 1, 2016.

2. Use this section of the table for buildings with crawlspaces or subgrade crawlspaces with an attached garage without proper openings.

3. Use this section of the table for buildings with crawlspaces or subgrade crawlspaces, including those with an attached garage, that have proper openings.

PRP 7

EFFECTIVE JANUARY 1, 2019 TABLE 3C. PRP COVERAGE LIMITS AND BASE PREMIUMS


NON-RESIDENTIAL BUSINESS OR OTHER NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONSWith Basement or Enclosure2

CONTENTS COVERAGE $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000

BUIL

DING

COV

ERAG

E

$ 50,000 $ 987 $1,284 $1,567 $1,837 $2,095 $2,340 $2,572 $2,791 $2,997 $3,191

$100,000 $1,415 $1,711 $1,994 $2,265 $2,522 $2,767 $2,999 $3,219 $3,424 $3,617

$150,000 $1,712 $2,006 $2,287 $2,553 $2,809 $3,051 $3,281 $3,498 $3,701 $3,893

$200,000 $1,881 $2,176 $2,455 $2,722 $2,978 $3,221 $3,451 $3,667 $3,871 $4,062

$250,000 $2,001 $2,294 $2,575 $2,841 $3,097 $3,339 $3,569 $3,785 $3,990 $4,182

$300,000 $2,132 $2,425 $2,706 $2,972 $3,228 $3,470 $3,700 $3,917 $4,120 $4,312

$350,000 $2,278 $2,570 $2,850 $3,119 $3,372 $3,615 $3,844 $4,061 $4,266 $4,457

$400,000 $2,373 $2,666 $2,946 $3,213 $3,468 $3,711 $3,940 $4,156 $4,360 $4,552

$450,000 $2,481 $2,775 $3,054 $3,323 $3,577 $3,819 $4,048 $4,266 $4,469 $4,660

$500,000 $2,600 $2,894 $3,173 $3,441 $3,696 $3,939 $4,168 $4,384 $4,588 $4,779

NON-RESIDENTIAL BUSINESS OR OTHER NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONSWithout Basement or Enclosure3


BUIL

DING

COV

ERAG

E

$ 50,000 $ 606 $ 764 $ 916 $1,060 $1,198 $1,328 $1,451 $1,568 $1,678 $1,781

$100,000 $ 827 $ 985 $1,135 $1,280 $1,417 $1,548 $1,672 $1,789 $1,898 $2,002

$150,000 $ 980 $1,136 $1,287 $1,430 $1,565 $1,694 $1,817 $1,933 $2,041 $2,144

$200,000 $1,149 $1,306 $1,454 $1,599 $1,734 $1,863 $1,986 $2,102 $2,210 $2,312

$250,000 $1,262 $1,419 $1,568 $1,711 $1,848 $1,976 $2,098 $2,215 $2,323 $2,425

$300,000 $1,382 $1,539 $1,689 $1,832 $1,968 $2,096 $2,219 $2,335 $2,443 $2,546

$350,000 $1,447 $1,604 $1,754 $1,896 $2,033 $2,162 $2,284 $2,399 $2,508 $2,610

$400,000 $1,519 $1,675 $1,825 $1,968 $2,104 $2,233 $2,355 $2,471 $2,580 $2,682

$450,000 $1,597 $1,754 $1,903 $2,046 $2,182 $2,311 $2,434 $2,549 $2,657 $2,760

$500,000 $1,681 $1,838 $1,988 $2,131 $2,267 $2,395 $2,518 $2,634 $2,742 $2,844

NON-RESIDENTIAL BUSINESS OR OTHER NON-RESIDENTIAL CONTENTS-ONLY COVERAGE



$ 50,000 $148 $ 50,000 $360

$100,000 $234 $100,000 $556

$150,000 $316 $150,000 $740

$200,000 $400 $200,000 $931

$250,000 $485 $250,000 $1,122

$300,000 $570 $300,000 $1,314

$350,000 $655 $350,000 $1,506

$400,000 $740 $400,000 $1,697

$450,000 $822 $450,000 $1,889

$500,000 $907 $500,000 $2,081


1. Use this table for eligible properties in AR or A99 zones on or after October 1, 2016. 2. Use this section of the table for buildings with crawlspaces or subgrade crawlspaces with an attached garage without proper openings.3. Use this section of the table for buildings with crawlspaces or subgrade crawlspaces, including those with an attached garage, that

have proper openings.

NM 6

EFFECTIVE JANUARY 1, 2019 TABLE 3. COVERAGE LIMITS AND BASE PREMIUMS FOR PROPERTIES

NEWLY MAPPED INTO AN SFHA ON OR AFTER OCTOBER 1, 20081

1–4 FAMILY RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS

WITH BASEMENT OR ENCLOSURE2 WITHOUT BASEMENT OR ENCLOSURE3

BUILDING CONTENTS PREMIUM BUILDING CONTENTS PREMIUM

$ 20,000 $ 8,000 $137 $ 20,000 $ 8,000 $108

$ 30,000 $ 12,000 $172 $ 30,000 $ 12,000 $143

$ 50,000 $ 20,000 $230 $ 50,000 $ 20,000 $201

$ 75,000 $ 30,000 $277 $ 75,000 $ 30,000 $243

$100,000 $ 40,000 $307 $100,000 $ 40,000 $274

$125,000 $ 50,000 $325 $125,000 $ 50,000 $290

$150,000 $ 60,000 $345 $150,000 $ 60,000 $312

$200,000 $ 80,000 $385 $200,000 $ 80,000 $345

$250,000 $100,000 $415 $250,000 $100,000 $370

RESIDENTIAL CONTENTS-ONLY COVERAGE



$ 8,000 $ 22 $ 8,000 $ 43

$ 12,000 $ 40 $ 12,000 $ 71

$ 20,000 $ 75 $ 20,000 $112

$ 30,000 $ 91 $ 30,000 $134

$ 40,000 $105 $ 40,000 $154

$ 50,000 $119 $ 50,000 $173

$ 60,000 $133 $ 60,000 $192

$ 80,000 $160 $ 80,000 $215

$100,000 $188 $100,000 $239


1 Use this table for properties newly mapped into SFHA zones excluding AR and A99 on or after October 1, 2016.

2 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces with an attached garage without proper openings.

3 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces, including those with an attached garage, that have proper openings.

NM 7



OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONSWith Basement or Enclosure2


BUIL

DING

COV

ERAG

E

$ 20,000 $153 $169 $183 $198 $212 $225 $237 $248 $260

$ 30,000 $169 $184 $199 $214 $228 $241 $253 $264 $276

$ 50,000 $207 $224 $239 $253 $267 $280 $292 $303 $315

$ 75,000 $226 $242 $257 $271 $285 $298 $311 $321 $333

$100,000 $250 $267 $282 $297 $311 $323 $335 $347 $358

$125,000 $257 $272 $286 $301 $315 $328 $341 $352 $363

$150,000 $262 $277 $292 $307 $320 $333 $346 $357 $369

$200,000 $297 $313 $328 $343 $356 $369 $381 $391 $403

$250,000 $316 $332 $347 $362 $375 $387 $400 $412 $422

$300,000 $332 $347 $361 $374 $387 $399 $412 $422 $433

$350,000 $347 $362 $375 $389 $401 $413 $426 $435 $446

$400,000 $361 $374 $388 $402 $414 $425 $438 $447 $458

$450,000 $373 $387 $400 $414 $425 $436 $449 $459 $469

$500,000 $385 $398 $412 $425 $435 $446 $459 $469 $478

OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONSWithout Basement or Enclosure3


BUIL

DING

COV

ERAG

E

$ 20,000 $120 $134 $146 $159 $171 $182 $192 $203 $212

$ 30,000 $141 $154 $166 $178 $190 $201 $212 $223 $231

$ 50,000 $181 $194 $206 $218 $230 $242 $252 $262 $271

$ 75,000 $204 $216 $229 $241 $252 $263 $274 $284 $293

$100,000 $225 $237 $249 $261 $272 $284 $295 $304 $314

$125,000 $232 $245 $258 $268 $280 $290 $300 $311 $319

$150,000 $241 $253 $266 $276 $288 $298 $309 $318 $328

$200,000 $272 $284 $297 $309 $319 $330 $341 $349 $359

$250,000 $289 $301 $314 $326 $336 $347 $357 $367 $375

$300,000 $315 $325 $336 $346 $356 $367 $374 $383 $392

$350,000 $332 $341 $353 $362 $371 $379 $389 $397 $406

$400,000 $348 $356 $368 $375 $384 $393 $402 $410 $419

$450,000 $363 $370 $379 $388 $397 $405 $414 $421 $431

$500,000 $375 $382 $392 $400 $407 $417 $425 $432 $442


1 Use this table for properties newly mapped into SFHA zones excluding AR and A99 on or after October 1, 2016.

2 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces with an attached garage without proper openings.

3 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces, including those with an attached garage, that have proper openings.

NM 8



NON-RESIDENTIAL BUSINESS OR OTHER NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONSWith Basement or Enclosure2


BUIL

DING

COV

ERAG

E

$ 50,000 $ 987 $1,284 $1,567 $1,837 $2,095 $2,340 $2,572 $2,791 $2,997 $3,191

$100,000 $1,415 $1,711 $1,994 $2,265 $2,522 $2,767 $2,999 $3,219 $3,424 $3,617

$150,000 $1,712 $2,006 $2,287 $2,553 $2,809 $3,051 $3,281 $3,498 $3,701 $3,893

$200,000 $1,881 $2,176 $2,455 $2,722 $2,978 $3,221 $3,451 $3,667 $3,871 $4,062

$250,000 $2,001 $2,294 $2,575 $2,841 $3,097 $3,339 $3,569 $3,785 $3,990 $4,182

$300,000 $2,132 $2,425 $2,706 $2,972 $3,228 $3,470 $3,700 $3,917 $4,120 $4,312

$350,000 $2,278 $2,570 $2,850 $3,119 $3,372 $3,615 $3,844 $4,061 $4,266 $4,457

$400,000 $2,373 $2,666 $2,946 $3,213 $3,468 $3,711 $3,940 $4,156 $4,360 $4,552

$450,000 $2,481 $2,775 $3,054 $3,323 $3,577 $3,819 $4,048 $4,266 $4,469 $4,660

$500,000 $2,600 $2,894 $3,173 $3,441 $3,696 $3,939 $4,168 $4,384 $4,588 $4,779

NON-RESIDENTIAL BUSINESS OR OTHER NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONSWithout Basement or Enclosure3


BUIL

DING

COV

ERAG

E

$ 50,000 $ 606 $ 764 $ 916 $1,060 $1,198 $1,328 $1,451 $1,568 $1,678 $1,781

$100,000 $ 827 $ 985 $1,135 $1,280 $1,417 $1,548 $1,672 $1,789 $1,898 $2,002

$150,000 $ 980 $1,136 $1,287 $1,430 $1,565 $1,694 $1,817 $1,933 $2,041 $2,144

$200,000 $1,149 $1,306 $1,454 $1,599 $1,734 $1,863 $1,986 $2,102 $2,210 $2,312

$250,000 $1,262 $1,419 $1,568 $1,711 $1,848 $1,976 $2,098 $2,215 $2,323 $2,425

$300,000 $1,382 $1,539 $1,689 $1,832 $1,968 $2,096 $2,219 $2,335 $2,443 $2,546

$350,000 $1,447 $1,604 $1,754 $1,896 $2,033 $2,162 $2,284 $2,399 $2,508 $2,610

$400,000 $1,519 $1,675 $1,825 $1,968 $2,104 $2,233 $2,355 $2,471 $2,580 $2,682

$450,000 $1,597 $1,754 $1,903 $2,046 $2,182 $2,311 $2,434 $2,549 $2,657 $2,760

$500,000 $1,681 $1,838 $1,988 $2,131 $2,267 $2,395 $2,518 $2,634 $2,742 $2,844

NON-RESIDENTIAL BUSINESS OR OTHER NON-RESIDENTIAL CONTENTS-ONLY COVERAGE

CONTENTS ABOVE GROUND LEVEL MORE THAN 1 FLOOR ALL OTHER LOCATIONS (BASEMENT-ONLY NOT ELIGIBLE)CONTENTS PREMIUM CONTENTS PREMIUM

$ 50,000 $148 $ 50,000 $360

$100,000 $234 $100,000 $556

$150,000 $316 $150,000 $740

$200,000 $400 $200,000 $931

$250,000 $485 $250,000 $1,122

$300,000 $570 $300,000 $1,314

$350,000 $655 $350,000 $1,506

$400,000 $740 $400,000 $1,697

$450,000 $822 $450,000 $1,889

$500,000 $907 $500,000 $2,081


1 Use this table for properties newly mapped into SFHA zones excluding AR and A99 on or after October 1, 2016. 2 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces with an attached garage without proper openings.3 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces, including those with an attached garage, that

have proper openings.

NM 9

TABLE 6A. NEWLY MAPPED MULTIPLIER FOR POLICIES EFFECTIVE APRIL 1, 2016 THROUGH DECEMBER 31, 2016

MAP EFFECTIVE DATE ELIGIBLE TRANSACTION MULTIPLIER

Oct 2008–Dec 2014 1. Renewal of a policy written, in its prior term, as a Newly Mapped policy 1.000

Jan 2015–Dec 2015 1. New business if policy effective date is within 12 months of map effective date 2. Renewal of a policy written, in its prior term, as a Newly Mapped policy 3. Renewal of a policy written, in its prior term, as a PRP

1.000

Jan 2016–Dec 2016 1. New business 2. Renewal of a policy written, in its prior term, as a PRP

1.000

TABLE 6B. NEWLY MAPPED MULTIPLIER FOR POLICIES EFFECTIVE JANUARY 1, 2017 THROUGH DECEMBER 31, 2017



Jan 2015–Dec 2015 1. Renewal of a policy written, in its prior term, as a Newly Mapped policy 1.150

Jan 2016–Dec 2016 1. New business if policy effective date is within 12 months of map effective date2. Renewal of a policy written, in its prior term, as a PRP3. Renewal of a policy written, in its prior term, as a Newly Mapped policy

1.000

Jan 2017–Dec 2017 1. New business if policy effective date is within 12 months of map effective date2. Renewal of a policy written, in its prior term, as a PRP

1.000

TABLE 6C. NEWLY MAPPED MULTIPLIER FOR POLICIES EFFECTIVE JANUARY 1, 2018 THROUGH DECEMBER 31, 2018





Jan 2017–Dec 2017 1. New business if policy effective date is within 12 months of map effective date 2. Renewal of a policy written, in its prior term, as a PRP 3. Renewal of a policy written, in its prior term, as a Newly Mapped policy

1.000

Jan 2018–Dec 2018 1. New business if policy effective date is within 12 months of map effective date 2. Renewal of a policy written, in its prior term, as a PRP

1.000

TABLE 6D. NEWLY MAPPED MULTIPLIER FOR POLICIES EFFECTIVE JANUARY 1, 2019 THROUGH DECEMBER 31, 2019


Oct 2008–Dec 2014 1. Renewal of a policy written, in its prior term, as a Newly Mapped Policy 1.415

Jan 2015–Dec 2015 1. Renewal of a policy written, in its prior term, as a Newly Mapped Policy 1.415



Jan 2018–Dec 2018 1. New business if policy effective date is within 12 months of map effective date2. Renewal of a policy written, in its prior term, as a Newly Mapped Policy3. Renewal of a policy written, in its prior term, as a PRP

1.000

Jan 2019–Dec 2019 1. New business, if policy effective date is within 12 months of map effective date2. Renewal of a policy written, in its prior term, as a PRP

1.000

ATTACHMENT D

TRANSACTION RECORD REPORTING AND PROCESSING PLAN AND

EDIT SPECIFICATIONS

EFFECTIVE APRIL 1, 2018

Summary of the April 2018 TRRP Plan updates (Change 29)

Part 4 –

Data Dictionary

1. Adjuster Individual Flood Control Number – Increased field length from 8 to 10;

(Note: The additional characters need to be

filled in with leading zeroes)

2. Adjusting Firm Flood Identifier – revised text in Note to add the following updates.

a) For Non-WYO staff adjusters, the

Adjusting Firm Flood Identifier must be

reported.

b) WYO staff adjusters must use the WYO

NAIC number.

3. Revised deductible options for Other Residential Policies.

Effective April 1, 2018, Other Residential

Policies (Building and Contents) will be

allowed to use deductible options of

$15,000 to $50,000.

4. HFIAA Surcharge (TRRP page updated with Endorsement logic

rules)

5. House Worship Indicator (No changes in TRRP, Edit (PL382010)is

revised)

6. Non-Profit Entity Indicator (No changes in TRRP, Edit (PL385010) is

revised)

7. Small Business Indicator (No changes in TRRP, Edit (PL360010)is

revised)

8. Pre-FIRM SFHA – Prior Policy Lapsed Policy Indicator (TRRP page updated to align with

Edit PL352010)

9. Pre-FIRM SFHA – Prior Policy Indicator (TRRP page updated to align with Edit

PL341010)

10. Policy Assignment Type

(No changes in TRRP, Edit PL316020 is

cancelled)

11. HFIAA Surcharge – Refunded – Page Revision

Part 6 – Record

Layouts

Revised Claim TRRP transaction record layouts

to reflect increase of Adjuster Individual

Flood Control Number from 8 to 10.

Part 7 –

Instructions for

Formatting Data

Elements and

Revising Data

Elements Values

Revised PICTURE length for Adjuster Individual

Flood Control Number from 9(8) to 9(10).

Appendix C –

Error Reporting

Revised Claim Error record layouts to reflect

field length increase of Adjuster Individual

Flood Control Number from 8 to 10 characters.

NATIONAL FLOOD INSURANCE PROGRAM

TRANSACTION RECORD REPORTING AND PROCESSING (TRRP) PLAN

for the

WRITE YOUR OWN (WYO) PROGRAM

Revision 1 ................................ January 1, 1992

Revision 2 .................................. March 1, 1995

Revision 3 ................................ October 1, 1997

Revision 4 ................................ October 1, 2001

Changes 1 & 2 .............................. May 1, 2002

Change 3 .............................. October 1, 2002

Change 4 .................................. May 1, 2003

Change 5 .............................. October 1, 2003

Change 6 .................................. May 1, 2004

Change 6.1 ........................... February 1, 2005

Changes 7 & 7 (Revised) .................... May 1, 2005

Changes 8 & 8.1 ........................ October 1, 2005

Change 9 .................................. May 1, 2006

Changes 10, 11 & 12 ........................ May 1, 2008

Changes 13, 13.1 & 13.2 ................ October 1, 2009

Change 14 ............................. January 1, 2011

Change 15 ............................. October 1, 2011

Change 16 ................................. May 1, 2012

Change 17 ............................. October 1, 2012

Change 18 ............................. January 1, 2013

Change 19, 19.1, 19.2 & 19.3 .......... October 1, 2013

Change 20 ................................ June 1, 2014

Change 21 ............................. October 1, 2014

Change 22 ............................. January 1, 2015

Change 23, 23.1, 23.2, 23.3 ............. April 1, 2015

Change 24, 24.1 ...................... November 1, 2015

Change 25 ............................... April 1, 2016

Change 26, 26.1, 26.2 ................. October 1, 2016

Change 27 ............................... April 1, 2017

Change 28 ............................. October 1, 2017

Change 29 ............................. April 1, 2018

PART 4 – DATA DICTIONARY

Table of Contents (Cont’d.)

Page

Floor Below Grade Indicator ................................... 4-112A Foundation Type ............................................... 4-113 Garage Flood Openings Indicator ............................... 4-115A Garage Indicator .............................................. 4-115B Garage M/E Indicator .......................................... 4-115C Garage – Number of Flood Openings ............................. 4-115D Garage Total Net Area ......................................... 4-115E Garage Use Indicator .......................................... 4-115F Grandfathering Type Code ...................................... 4-115G HFIAA/Section-28 Indicator .................................... 4-115H HFIAA/Section-28 Loss Indicator ............................... 4-115I HFIAA Surcharge ............................................... 4-115J HFIAA Surcharge ............................................... 4-115K HFIAA Surcharge - Refunded .................................... 4-115L House Worship Indicator ....................................... 4-115M ICC Actual Expense ............................................ 4-116 ICC Claim Indicator ........................................... 4-117 ICC Claim Payment ............................................. 4-118 ICC Claim Payment Recovery .................................... 4-119 ICC Flood Damage Amount - Prior ............................... 4-120 ICC Mitigation Indicator ...................................... 4-121 ICC Premium WYO ............................................... 4-122 ICC Prior Date of Loss ........................................ 4-123 ICC Property Value - Current .................................. 4-124 ICC Property Value - Prior .................................... 4-125 Insurance to Value Ratio Indicator ............................ 4-126 Insured First Name ............................................ 4-127 Insured Last Name ............................................. 4-128 Interior Water Depth - Appurtenant ............................ 4-128A Interior Water Depth - Main ................................... 4-128B Lender Indicator .............................................. 4-128C Location of Contents Indicator ................................ 4-129 Lowest Adjacent Grade ......................................... 4-130 Lowest Floor Elevation ........................................ 4-131 Mailing City .................................................. 4-131B Mailing State ................................................. 4-131C Mailing Street Address ........................................ 4-131D Mailing ZIP Code .............................................. 4-131E Mandatory Purchase Indicator .................................. 4-131F Map Panel Number (Rating Map Information) ..................... 4-132 Map Panel Suffix (Rating Map Information) ..................... 4-133 Mitigation Offer Indicator .................................... 4-133A NAIC Number ................................................... 4-133C Name Format Indicator ......................................... 4-134 Name or Descriptive Information Indicator ..................... 4-135 New Date of Loss .............................................. 4-136 New Payment Date .............................................. 4-137 New Policy Number ............................................. 4-138 New/Rollover/Transfer Indicator ............................... 4-139 Newly Mapped Date ............................................. 4-139A Non-Profit Entity Indicator ................................... 4-139B Number of Elevators ........................................... 4-139A Number of Floors (Including Basement)/Building Type ........... 4-140 Obstruction Type .............................................. 4-141 Occupancy Type ................................................ 4-143 Old Date of Loss .............................................. 4-144 Old Payment Date .............................................. 4-145 Old Policy Number ............................................. 4-146 Original Construction Date .................................... 4-147 Original Submission Month ..................................... 4-149

Part 4 4-iii Revision 4 (10/1/01)

Change 29 Effective 10/1/18

Part 4 4-5B-1 Revision 4 (10/1/01)


DATA ELEMENT: Adjusting Individual Flood Control Number

ALIAS: None

ACRONYM: WYO (PMF) ADJ-FCN

FILE: Claims Master (CMF)

DESCRIPTION:

The Flood Control Number (FCN) is a unique identifier assigned to an

independent adjuster by the NFIP Bureau and Statistical Agent (NFIP

BSA) and is used to report the adjuster’s authorization number when

the WYO Company or NFIP Direct Servicing Agent reports a loss

through TRRP.

EDIT CRITERIA: Numeric.

LENGTH: 10

DEPENDENCIES: None

SYSTEM FUNCTION: Claims

REPORTING REQUIREMENT: Required on losses with a date of loss of

October 1, 2016 or later.

NOTE:

The FCN must be reported with an associated Adjusting Firm Flood Identifier.

The FCN cannot be blank. If a FCN has not been assigned, report all zeros.

Part 4 4-5B-2 Revision 4 (10/1/01)


DATA ELEMENT: Adjusting Firm Flood Identifier

ALIAS: None

ACRONYM: WYO (PMF) ADJ-FFI

FILE: Claims Master (CMF)

DESCRIPTION:

The Adjusting Firm Flood Identifier captures the assigned adjusting

firm in which a particular adjuster is working on a specific claim

(adjusters may get assignments from several different firms). All

adjusting firms should register with the NFIP BSA to receive an

identifier.

EDIT CRITERIA: Numeric.

LENGTH: 5

DEPENDENCIES: None

SYSTEM FUNCTION: Claims

REPORTING REQUIREMENT: Required on losses with a date of loss of

October 1, 2016 or later.

NOTE:

For Non-WYO Staff Adjusters, the Adjusting Firm Flood Identifier must be reported with an associated Adjuster Individual Flood Control Number (FCN).

For WYO Staff Adjusters, the Adjusting Firm Flood Identifier

must be the WYO NAIC number.

The Adjusting Firm Flood Identifier cannot be blank.

Part 4 4-76 Revision 4 (10/1/01) Effective 05/01/98

DATA ELEMENT: Deductible - Building

ALIAS: Risk Retention - Building

ACRONYM: WYO (PMF) DED-BLDIND

FILE: Policy Master (PMF)

Actuarial (APOL)

DESCRIPTION:

Each loss to insured property is subject to a deductible

provision under which the insured bears a portion of the loss before payment is made under the policy.

In the case of reasonable expenses incurred pursuant to the

Standard Flood Insurance Policy in the temporary removal of an insured manufactured (mobile) home or insured personal property from the described premises and away from the peril of flood, the amount of the deductible was $50.00 for policies issued prior to January 1, 1987. For policies issued on or after that date, no deductible is applied to these expenses and they are reimbursed up to an amount equal to the minimum contents deductible.

The deductible applied during each loss on or after October 1, 1986, on buildings that are in the course of construction and have yet to be walled and roofed, is double the selected post- construction deductible.

Under the NFIP, the deductible amounts for claims other than the above are as follows:

1. Policies with effective dates prior to June 1, 1982 - standard deductible amount was $200.00.

2. Policies with effective dates after September 30, 1982

- optional deductible amount of $3,000.00 became available in Zones V, V1-V30, VE.

3. Standard deductible for policies effective on or

after June 1, 1982, but prior to May 1, 1998:

a. Except as noted in 3.b, policies with

effective dates after June 1, 1982 - standard

deductible amount is $500.

0 - $500

b. For policies rated using Pre-FIRM rates with

effective dates on or after October 1, 1992, the following is the standard deductible for Zones A, AE, V, VE, AO, AH:

9 - $750

Part 4 4-77 Revision 4 (10/1/01)


DATA ELEMENT: Deductible - Building (Cont'd.)

DESCRIPTION: (Cont'd.)

1. Standard deductible on or after May 1, 1998:

a. Except as noted in 4.b, policies with effective dates after June 1, 1982, and prior to October 1, 2009 - standard deductible amount is $500. The $500 (code 0) will no longer be available, effective October 1, 2009.

0 - $500


effective dates on or after May 1, 1998, and prior to October 1, 2009, the following is the

standard deductible for Zones A, AE, V, VE, AO, AH, AR, and AR dual zones:

1 - $1,000

The standard deductible for any policy issued or

renewed for a property located in Zone AR or AR dual zone using the AR Pre-FIRM rate is the subsidized policy deductible. The standard deductible of $500 is available only to those policies rated using actuarial rates. The $500 standard deductible will not be available, effective October 1, 2009.

c. For policies rated using Pre-FIRM rates with

effective dates on or after October 1, 2009, the following is the standard deductible for Zones A, AE, V, VE, AO, AH, AR, and AR dual zones:

2 - $2,000

d. Except as noted in 4.c, policies with

effective dates on or after October 1, 2009 – standard deductible amount is $1,000.

1 - $1,000

2. After April 1, 1984, the following additional deductible options were made available for all zones and are applied separately to building and contents coverage:

1 - $1,000 3 - $3,000 5 - $5,000

2 - $2,000 4 - $4,000

3. After May 1, 2003, the following additional deductible

options were made available for all zones and are applied separately to building and contents coverage for Non-residential policies only. RCBAP policies will be allowed deductible options A and D only.

A - $10,000 C - $20,000 E - $50,000

B - $15,000 D - $25,000

Part 4 4-77A Revision 4 (10/1/01)


DATA ELEMENT: Deductible - Building (Cont'd.)


NOTE: Other Residential policies, effective on or after May 1, 2003, and prior to May 1, 2004, will be allowed deductible options A, B, C, D, or E. Effective April 1, 2018, Other Residential policies will be allowed to use these deductible options.

7. On or after June 1, 2014, minimum deductibles have

been revised based on Section 100210 of BW-12 as follows:

Full-Risk Rated Policies

Policies rated with full-risk rates (Post-FIRM, Pre- FIRM elevation-rated, and all X-zone rated policies) or in AR, AR dual or A99 zones will have a minimum deductible of $1,000 for building coverage and $1,000 for contents coverage if the building coverage does not exceed $100,000.

Policies rated with full-risk rates or in AR, AR

dual or A99 zones will have a minimum deductible

of $1,250 for building coverage and $1,250 for contents coverage if the building coverage exceeds

$100,000.

Pre-FIRM Subsidized Policies

Policies rated with Pre-FIRM subsidized rates will

have a minimum deductible of $1,500 for building or contents coverage if the building coverage does

not exceed $100,000.


have a minimum deductible of $2,000 for building or contents coverage if the building coverage

exceeds

$100,000.

Contents-Only Policies

Contents-only policies will use the same minimum deductibles that apply to building coverage that does not exceed $100,000.

Effective June 1, 2014, the following additional deductible options are available for all zones and are applied separately to building and contents coverage:

F - $1,250 G - $1,500

Part 4 4-78 Revision 4 (10/1/01)

Effective 5/1/98

DATA ELEMENT: Deductible - Contents

ALIAS: Risk Retention - Contents

ACRONYM: WYO (PMF) DED-CNT-IND

FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL)

DESCRIPTION:

Each loss to insured property is subject to a deductible provision under which the insured bears a portion of the loss before payment is made under the policy.

In the case of reasonable expenses incurred pursuant to the Standard Flood Insurance Policy in the temporary removal of an insured manufactured (mobile) home or insured personal property from the described premises and away from the peril of flood, the amount of the deductible was $50.00 for policies issued prior to January 1, 1987. For policies issued on or after that date, no deductible is applied to these expenses and they are reimbursed up to an amount equal to the minimum contents deductible.

Under the NFIP, the deductible amounts for claims other than the above are as follows:

1. Policies with effective dates prior to June 1, 1982

- standard deductible amount was $200.00

2. Policies with effective dates after September 30, 1982 - optional deductible amount of $3,000.00 became available in Zones V, V1-V30, VE.

3. Standard deductible for policies effective on or after June 1, 1982, but prior to May 1, 1998:

a. Except as noted in 3.b, policies with effective dates after June 1, 1982 - standard deductible amount is $500.

0 - $500

b. For policies rated using Pre-FIRM rates with effective dates on or after October 1, 1992, the following is the standard deductible for Zones A, AE, V, VE, AO, AH:

9 - $750

Part 4 4-79 Revision 4 (10/1/01)


DATA ELEMENT: Deductible - Contents (Cont'd.)


1. Standard deductible on or after May 1, 1998:

a. Except as noted in 4.b, policies with effective dates after June 1, 1982, and prior to October 1, 2009 - standard deductible amount is $500. The $500 (code 0) will no longer be available, effective October 1, 2009.

0 - $500


effective dates on or after May 1, 1998, and prior to October 1, 2009, the following is the

standard deductible for Zones A, AE, V, VE, AO, AH, AR, and AR dual zones:

1 - $1,000

The standard deductible for any policy issued or

renewed for a property located in Zone AR or AR dual zone using the AR Pre-FIRM rate is the subsidized policy deductible. The standard deductible of $500 is available only to those policies rated using actuarial rates. The $500 standard deductible will not be available, effective October 1, 2009.

c. For policies rated using Pre-FIRM rates with

effective dates on or after October 1, 2009, the following is the standard deductible for Zones A, AE, V, VE, AO, AH, AR, and AR dual zones:

2 - $2,000

d. Except as noted in 4.c, policies with

effective dates on or after October 1, 2009 – standard deductible amount is $1,000.

1 - $1,000

2. After April 1, 1984, the following additional deductible options were made available for all zones and are applied separately to building and contents coverage:

1 - $1,000 3 - $3,000 5 - $5,000

2 - $2,000 4 - $4,000

3. After May 1, 2003, the following additional deductible

options were made available for all zones and are applied separately to building and contents coverage for Non-residential policies only. RCBAP policies will be allowed deductible options A and D only.

A - $10,000 C - $20,000 E - $50,000

B - $15,000 D - $25,000

Part 4 4-79A Revision 4 (10/1/01)


DATA ELEMENT: Deductible - Contents (Cont'd.)


NOTE: Other Residential policies, effective on or after May 1, 2003, and prior to May 1, 2004, will be allowed deductible options A, B, C, D, or E. Effective April 1, 2018, Other Residential policies will be allowed to use these deductible options.

4. On or after June 1, 2014, minimum deductibles have been

revised based on Section 100210 of BW-12 as follows:

Full-Risk Rated Policies

Policies rated with full-risk rates (Post-FIRM, Pre- FIRM elevation-rated, and all X-zone rated policies) or in AR, AR dual or A99 zones will have a minimum deductible of $1,000 for building coverage and $1,000 for contents coverage if the building coverage does not exceed $100,000.

Policies rated with full-risk rates or in AR, AR

dual or A99 zones will have a minimum deductible of $1,250 for building coverage and $1,250 for contents coverage if the building coverage exceeds

$100,000.

Pre-FIRM Subsidized Policies


have a minimum deductible of $1,500 for building or contents coverage if the building coverage does not

exceed $100,000.


have a minimum deductible of $2,000 for building or contents coverage if the building coverage exceeds

$100,000.

Contents-Only Policies

Contents-only policies will use the same minimum

deductibles that apply to building coverage that

does not exceed $100,000.

Effective June 1, 2014, the following additional deductible options are available for all zones and are applied separately to building and contents coverage:

F - $1,250 G - $1,500

Part 4 4-115J Revision 4 (10/1/01)

Change 23.3 Effective 04/01/15

DATA ELEMENT: HFIAA Surcharge

ALIAS: None

ACRONYM: (PMF) HFIAA_SURG


DESCRIPTION:

Beginning April 1, 2015, a new annual premium surcharge must be collected for each policy as shown below:

$25 for Dwelling Form policies covering single-family primary residences, or individual condominium units or apartments in non- condominium buildings used as a primary residence by the named insured.

$250 for policies covering non-residential properties or non- primary residences.

$250 for policies covering entire condominium buildings or non- condominium multi-family buildings.

The HFIAA Premium Surcharge may be changed during a policy term. The change to the HFIAA Premium Surcharge amount is to be adjusted on a pro-rata basis.

EDIT CRITERIA: Signed Numeric in whole dollars

LENGTH: 8

DEPENDENCIES: Information is obtained from the Flood Insurance Application or General Change Endorsement Form.

SYSTEM FUNCTION: Compliance per HFIAA section 8.

REPORTING REQUIREMENT: Required for all new and renewal policies on or after April 1, 2015.

NOTE:

If the Primary Residence Indicator is ‘Y’ and the Occupancy Type is ‘1’, the HFIAA surcharge is $25.

If the Primary Residence Indicator is ‘Y’ and the Condominium Indicator is ‘U’ and the Occupancy Type is ‘1’, ‘2’ or ‘3’, the HFIAA surcharge is $25.

If the Primary Residence Indicator is ‘Y’, Occupancy Type is ‘2’ or ‘3’, Condominium Indicator is ‘N’ or blank and the Total Amount of Insurance – Building is zero, the HFIAA surcharge is $25.

If the Occupancy Type is ‘1’, ‘2’ or ‘3’ and the Condominium Indicator is ‘A’, ‘H’ or ‘L’, the HFIAA surcharge is $250 regardless of the Primary Residence indicator.

If the Occupancy Type is ‘4’, the HFIAA surcharge is $250 regardless of the Primary Residence indicator.

If the Primary Residence Indicator ‘N’, the HFIAA surcharge is

$250.

Part 4 4-115K Revision 4 (10/1/01)


DATA ELEMENT: HFIAA Surcharge……contd.,

Endorsements

• Endorsements that do not require a premium change or there was no change

in the primary residence status, the HFIAA surcharge is $0.

• Endorsements where the Primary Residence Indicator changes from ‘Y’

(primary) to ‘N’ (non-primary) mid term, the HFIAA surcharge is

recalculated pro-rata and the amount can be positive.

• Endorsements where the Primary Residence Indicator changes from ‘N’

(non-primary) to ‘Y’ (primary), the HFIAA surcharge is recalculated pro-

rata and the amount can be negative.

Part 4 4-115M Revision 4 (10/1/01)


DATA ELEMENT: House Worship Indicator

ALIAS: None

ACRONYM: HOUSE-WORSHP


DESCRIPTION:

Indicates if the building is used as a House of Worship.

EDIT CRITERIA: Alpha, acceptable values:

N - No

Y – Yes

LENGTH: 1

DEPENDENCIES: Information is obtained from the Flood Insurance

Application.

SYSTEM FUNCTION: Coverage

REPORTING REQUIREMENT: Required for policies effective on or

after November 1, 2015.

NOTE:

Policies effective prior to November 1, 2015 must report

‘N’, ‘Y’ or blank.

Policies with Occupancy Type ‘4’ or ‘6’ that are effective on

or after November 1, 2015 must report ‘N’ or ‘Y’.

Policies with Occupancy Type ‘1’, ‘2’ or ‘3’ with original

new business date on or after November 1, 2015 must report

‘N’ or ‘Y’.

Policies with Risk Rating methods ‘6’ (Provisional), ‘8’

(Tentative), ‘9’ (MPPP), ‘F’ (Leased Federal), or ‘G’

(GFIP) must report ‘N’, ‘Y’, or blank.

Part 4 4-139B Revision 4 (10/1/01)


DATA ELEMENT: Non-Profit Entity Indicator

ALIAS: None

ACRONYM: NON-PROFIT


DESCRIPTION:

Indicates if the building is a non-profit entity.


N - No

Y – Yes

LENGTH: 1


Application.




NOTE:


‘N’, ‘Y’, or blank.




business date on or after November 1, 2015 must report ‘N’ or

‘Y’.



(GFIP) must report ‘N’, ‘Y’, or blank.

Part 4 4-189A Revision 4 (10/1/01)


DATA ELEMENT: Sml-Business Indicator

ALIAS: None

ACRONYM: SM-BUS-BLDG


DESCRIPTION:

Indicates if the insured property is used for a small business.

This is a new data element effective November 1, 2015.


N - No

Y – Yes

LENGTH: 1


Application.




NOTE:


‘N’, ‘Y’, or blank.




new business date on or after November 1, 2015 must report

‘N’ or ‘Y’.



(GFIP) must report a ‘Y’, ‘N’, or blank.

Part 4 4-158F Revision 4 (10/1/01)


DATA ELEMENT: Pre-FIRM SFHA – Prior Policy Lapsed Policy Indicator

ALIAS: None

ACRONYM: LAPS-POL-IND


DESCRIPTION:

For policies insuring Pre-FIRM buildings in SFHA, indicates if the prior NFIP

policy ever lapsed while coverage was required by the lender.


N - No

Y – Yes

LENGTH: 1


Application.


REPORTING REQUIREMENT: Required for policies insuring Pre-FIRM buildings

in SFHA, with an original new business date on or after November 1, 2015.

NOTE:

Policies with Original New Business Date on or after 11/01/2015 must

report 'N' Or 'Y'.

Policies with Original New Business Date prior to 11/01/2015 must

report 'N', 'Y' Or Blank.

Policies with New/Rollover/Transfer indicator ‘R’ or ‘Z’ must be

reported with ‘N’, ‘Y’, or blank regardless of the original new

business date.


(Tentative), ‘9’ (MPPP), ‘F’ (Leased Federal), or ‘G’ (GFIP) must

report ‘N’, ‘Y’, or blank regardless of the original new business

date.

Part 4 4-158E Revision 4 (10/1/01)


DATA ELEMENT: Pre-FIRM SFHA - Prior Policy Indicator

ALIAS: None

ACRONYM: WYO (PMF) PF-SFHA-PRIOR-POL


DESCRIPTION:

For policies insuring Pre-FIRM buildings in SFHA, indicates if an applicant

had a prior NFIP policy for the insured property.


N - No

Y – Yes

LENGTH: 1

DEPENDENCIES: Information is obtained from the Flood Insurance Application.


REPORTING REQUIREMENT: Required for policies insuring Pre-FIRM

buildings in SFHA, with an original new business date on or after November

1, 2015.

NOTE:

Policies with original new business dates on or after November 1, 2015

must report ‘N’ or ‘Y’.

Policies with original new business dates prior to November 1, 2015 must

report ‘N’, ‘Y’, or blank.

Post-FIRM policies must report ‘N’, ‘Y’, or blank regardless of the

original new business date.

Policies with NEW/ROLLOVER/TRANSFER INDICATOR ‘R’ OR ‘Z’, must report

‘N’, ‘Y’, or blank regardless of the original new business date.

Otherwise,

If the Original New Business Date is on or after 11/01/2015 and Pre-Firm

SFHA – Lender Required Under Mandatory Purchase Indicator Is ‘Y’, The

Pre-Firm SFHA – Prior Policy Indicator must be reported with ‘N’ Or ‘Y’.

Part 4 4-151A Revision 4 (10/1/01)


DATA ELEMENT: Policy Assignment Type

ALIAS: None

ACRONYM: (PMF) POL-ASSIGN-TYP


DESCRIPTION:

Indicates a change in the named insured associated with a transfer of ownership. This field also distinguishes whether the transfer of ownership resulted from a property purchase, or through a gift, inheritance or other legal conveyance.

EDIT CRITERIA: Alpha, Acceptable Values:

LENGTH: 1

N – No assignment P – Assignment due to new purchase

O – Other assignment

DEPENDENCIES: Information is obtained from the policy

endorsement.

SYSTEM FUNCTION: Compliance per the Biggert-Waters Flood

Insurance Reform Act of 2012.

REPORTING REQUIREMENT: Required for policy endorsements with

endorsement effective date on or after October 1, 2013.

NOTE:

Policies with endorsement effective dates prior to October 1, 2013 can be reported with ‘N’ or blank.

Policies with Property Purchase Date prior to 7/6/2012 can be reported with ‘N’ or blank.

Risk rating method ‘9’ (MPPP) and ‘G’ (GFIP) policies are not required to report the Policy Assignment Type – ‘N’ or blank are acceptable values.

If the Property Purchase Date is on or after 7/6/2012, the Policy Assignment Type must be ‘P’.

Part 4 4-115L Revision 4 (10/1/01) Change 29 Effective 4/1/18

DATA ELEMENT: HFIAA Surcharge - Refunded

ALIAS: None

ACRONYM: (PMF) HFIAA_SURCH_REFUND


DESCRIPTION:

Total HFIAA Surcharge refunded in dollars and cents on overall coverage for a particular policy term. (see ‘Cancellation/Voidance Reason’ data element for instructions on how the refund is calculated.)

EDIT CRITERIA: Positive numeric in dollars and cents

LENGTH: 10 with an implied decimal of two positions

DEPENDENCIES: Information is obtained from the Cancellation/Nullification Request Form.

SYSTEM FUNCTION: Premium and Loss Analysis

REPORTING REQUIREMENT: Required

Part 6 6-23 Revision 4 (10/1/01)


31 Open Claim/Loss - Reserve

Record A Field

Length

Record

Position

Transaction Code (31A) 3 1-3

Transaction Date 8 4-11

WYO Prefix Code 5 12-16

Policy Number 10 17-26

Date of Loss 8 27-34

Catastrophe Number 3 35-37

Reserve - Building 12 38-49

Reserve - Contents 9 50-58 Cause of Loss 1 59

Water Depth – Relative to Main Building 3 60-62

Total Property Value - Main and

Appurtenant (ACV)

10 63-72

Total Building Damages - Main and

Appurtenant (ACV)

10 73-82

Total Damage to Contents - Main and

Appurtenant (ACV)

7 83-89

Expense of Contents Removal 4 90-93

Total Expense of Temp. Flood Protection 4 94-97

Building Claim Payment (ACV or RCV) 12 98-109

Contents Claim Payment (ACV) 9 110-118

Payment Date 8 119-126

Final Payment Indicator - Building 1 127

Final Payment Indicator - Contents 1 128

Replacement Cost Indicator 1 129

Expense of Manufactured (Mobile) Home

Removal

4 130-133


Appurtenant (RCV)

10 134-143


Appurtenant (RCV)

10 144-153


Appurtenant (RCV)

7 154-160

ICC Claim Payment 7 161-167

ICC Mitigation Indicator 1 168

ICC Claim Indicator 1 169

ICC Prior Date of Loss 8 170-177

ICC Property Value - Current 10 178-187

ICC Property Value - Prior 10 188-197

ICC Actual Expense 10 198-207

ICC Flood Damage Amount - Prior 10 208-217

Final Payment Indicator - ICC 1 218

Reserve - ICC 7 219-225

HFIAA/Section-28 Loss Indicator 1 226

Damage – Main (ACV) 10 227-236

Damage – Appurtenant (ACV) 7 237-243

Damage to Contents – Main (ACV) 7 244-250

Part 6 6-23A Revision 4 (10/1/01)


31 Open Claim/Loss – Reserve (Cont’d.)

Record A Field Length Record

Position

Damage to Contents – Appurtenant (ACV) 7 251-257

Value of Contents (ACV) 7 258-264

Exterior Water Depth - Main 4 265-268

Exterior Water Depth - Appurtenant 4 269-272

Interior Water Depth - Main 4 273-276

Interior Water Depth – Appurtenant 4 277-280

Adjuster Individual Flood Control Number 10 281-290

Adjusting Firm Flood Identifier 5 291-295 Reserved for NFIP Use 164 296-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

Part 6 6-24 Revision 4 (10/1/01)


31 Open Claim/Loss – Reserve (Cont’d.)

Record B Field

Length

Record Position

Transaction Code(31B) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Foundation Type 2 35-36 Exterior Wall Structure Type 1 37 Exterior Wall Surface Treatment 1 38 Flood Characteristics 1 39 Factors Related to Cause of Loss 1 40 Duration of Flood Waters in Building 3 41-43 Alteration Date 8 44-51 Substantial Improvement Indicator 1 52 Duration Building Will Not Be Habitable 1 53 Property Value - Main (ACV) 10 54-63 Property Value - Appurtenant (ACV) 7 64-70 Filler 31 71-101 Deductible - Applicable to Building

Claim Payment

1 102

Deductible - Applicable to Contents

Claim Payment

1 103

Value of Building Items Subject to

Policy Exclusions (ACV)

1 104

Value of Contents Subject to Policy Exclusions

1 105

Building Damage Subject to Policy Exclusions (ACV)

1 106

Contents Damage Subject to Policy Exclusions (ACV)

1 107

Reserved for NFIP Use 350 108-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Reserved for NFIP Use2 500 501-1000

Part 6 6-25 Revision 4 (10/1/01)


34 Reopen Claim/Loss

Record A Field

Length

Record

Position






Claim/Loss Reopen Date 8 35-42


Reserve - Contents 9 55-63




Final Payment Indicator- Building 1 93

Final Payment Indicator- Contents 1 94


Final Payment Indicator- ICC 1 102



Adjuster Individual Flood Control

Number

10 111-120

Adjusting Firm Flood Identifier 5 121-125

Reserved for NFIP Use 334 126-459

Original Submission Month 6 460-465

Rejected Transaction Control Number 6 466-471

Sort Sequence Key 1 472

Reserved for WYO Company Use 30 473-502

Reserved for NFIP Use2 498 503-1000

Part 6 6-26 Revision 4 (10/1/01)


37 Change Reserve

Record A Field

Length

Record

Position









Final Payment Indicator- Building 1 63

Final Payment Indicator- Contents 1 64

Final Payment Indicator- ICC 1 65










Part 6 6-27 Revision 4 (10/1/01)


40 Partial Payment

Record A Field

Length

Record

Position

Transaction Code(40A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Payment Date 8 35-42 Building Claim Payment (ACV or RCV) 12 43-54 Final Payment Indicator - Building 1 55 Contents Claim Payment (ACV) 9 56-64 Final Payment Indicator - Contents 1 65 ICC Claim Payment 7 66-72 Final Payment Indicator - ICC 1 73 HFIAA/Section-28 Loss Indicator 1 74 Adjuster Individual Flood Control Number 10 75-84 Adjusting Firm Flood Identifier 5 85-89 Reserved for NFIP Use 370 90-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

Part 6 6-28 Revision 4 (10/1/01)


43 Close Claim/Loss

Record A Field

Length

Record

Position







Cause of Loss 1 38



Appurtenant (ACV)

10 42-51


Appurtenant (ACV)

10 52-61


Appurtenant (ACV)

7 62-68


Total Expense of Temporary Flood

Protection

4 73-76





Claim/Loss Closed Date 8 107-114


Removal

4 115-118

Building 2 119-120

Claim Closed without Payment Reason -

Contents

2 121-122




Appurtenant (RCV)

10 125-134


Appurtenant (RCV)

10 135-144

Total Damage to Contents - Main and 7 145-151










Claim Closed Without Payment Reason – ICC 2 210-211

Coinsurance Claim Settlement Indicator 1 212


Part 6 6-28A Revision 4 (10/1/01)


43 Close Claim/Loss (Cont’d.)

Record A Field

Length Record

Position Damage – Main (ACV) 10 214-223









Adjuster Individual Flood Control Number 10 268-277 Adjusting Firm Flood Identifier 5 278-282 Reserved for NFIP Use 177 283-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

Part 6 6-30 Revision 4 (10/1/01)


46 Close Claim/Loss Without Payment Record A Field

Length

Record

Position

Transaction Code (46A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Claim/Loss Closed Date 8 35-42 Claim Closed Without Payment Reason - Building 2 43-44 Claim Closed Without Payment Reason - Contents 2 45-46 Claim Closed Without Payment Reason - ICC 2 47-48 HFIAA/Section-28 Loss Indicator 1 49 Adjuster Individual Flood Control Number 10 50-59 Adjusting Firm Flood Identifier 5 60-64 Reserved for NFIP Use 395 65-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

Part 6 6-31 Revision 4 (10/1/01)


49 Addition to Final Payment

Record A Field

Length

Record

Position

Transaction Code(49A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Payment Date 8 35-42 Total Property Value - Main and Appurtenant (ACV) 10 43-52 Total Building Damages- Main and Appurtenant (ACV) 10 53-62 Total Damage to Contents - Main and Appurtenant

(ACV) 7 63-69

Expense of Contents Removal 4 70-73 Total Expense of Temporary Flood Protection 4 74-77 Building Claim Payment (ACV or RCV) 12 78-89 Contents Claim Payment (ACV) 9 90-98 Replacement Cost Indicator 1 99 Claim/Loss Closed Date 8 100-107 Expense of Manufactured (Mobile) Home Removal 4 108-111

Claim Closed Without Payment Reason -Building 2 112-113

Claim Closed Without Payment Reason – Contents 2 114-115

Total Property Value - Main and Appurtenant (RCV) 10 116-125

Total Building Damages - Main and Appurtenant

(RCV)

10 126-135

Total Damage to Contents - Main and Appurtenant

(RCV)

7 136-142


Claim Closed Without Payment Reason - ICC 2 150-151 Coinsurance Claim Settlement Indicator 1 152 HFIAA/Section-28 Loss Indicator 1 153 Damage – Main (ACV) 10 154-163 Damage – Appurtenant (ACV) 7 164-170 Damage to Contents – Main (ACV) 7 171-177 Damage to Contents – Appurtenant (ACV) 7 178-184 Value of Contents (ACV) 7 185-191 Adjuster Individual Flood Control Number 10 192-201 Adjusting Firm Flood Identifier 5 202-206 Reserved for NFIP Use 253 207-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

Part 6 6-33 Revision 4 (10/1/01)


52 Recovery After Final Payment

Record A Field

Length

Record

Position

Transaction Code(52A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Total Property Value - Main and

Appurtenant (ACV) 10 35-44

Total Building Damages- Main and




Expense of Contents Removal 4 62-65 Total Expense of Temporary Flood

Protection 4 66-69

Building Claim Payment Recovery 12 70-81 Contents Claim Payment Recovery 9 82-90 Payment Recovery Date 8 91-98 Replacement Cost Indicator 1 99 Actual Salvage Recovery 12 100-111 Subrogation 12 112-123 Actual Salvage Recovery Date 8 124-131 Subrogation Recovery Date 8 132-139 Claim/Loss Closed Date 8 140-147 Expense of Manufactured (Mobile) Home

Removal 4 148-151


Appurtenant (RCV) 10 152-161



Total Damage to Contents- Main and


ICC Claim Payment Recovery 7 179-185 Coinsurance Claim Settlement Indicator 1 186 HFIAA/Section-28 Loss Indicator 1 187 Damage – Main (ACV) 10 188-197 Damage – Appurtenant (ACV) 7 198-204 Damage to Contents – Main (ACV) 7 205-211 Damage to Contents – Appurtenant(ACV) 7 212-218 Value of Contents (ACV) 7 219-225 Adjuster Individual Flood Control Number 10 226-235 Adjusting Firm Flood Identifier 5 236-240 Reserved for NFIP Use 219 241-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

Part 6 6-35 Revision 4 (10/1/01)


61 General Claim/Loss Correction

Record A Field

Length

Record

Position







Cause of Loss 1 38



Appurtenant (ACV)

10 42-51


Appurtenant (ACV)

10 52-61


Appurtenant (ACV)

7 62-68


Total Expense of Temporary Flood

Protection

4 73-76




Claim Closed Without Payment Reason –

Building

2 106-107



Removal

4 109-112

Claim Closed Without Payment Reason –

Contents

2 113-114





Appurtenant (RCV)

10 125-134


Appurtenant (RCV)

10 135-144


Appurtenant (RCV)

7 145-151










Part 6 6-35A Revision 4 (10/1/01)


61 General Claim/Loss Correction (Cont’d)

Record A Field

Length

Record

Position





















Part 6 6-37 Revision 4 (10/1/01)


64 Claim Payment Correction

Record A Field

Length

Record

Position Transaction Code (64A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Payment Date 8 35-42 Building Claim Payment (ACV or RCV) 12 43-54 Contents Claim Payment (ACV) 9 55-63 Final Payment Indicator- Building 1 64 Final Payment Indicator- Contents 1 65 ICC Claim Payment 7 66-72 Final Payment Indicator- ICC 1 73 HFIAA/Section-28 Loss Indicator 1 74 Adjuster Individual Flood Control Number 10 75-84 Adjusting Firm Flood Identifier 5 85-89 Reserved for NFIP Use 370 90-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

Part 6 6-38 Revision 4 (10/1/01)


67 Recovery Correction

Record A Field

Length

Record

Position

Transaction Code(67A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Payment Recovery Date 8 35-42 Building Claim Payment Recovery 12 43-54 Contents Claim Payment Recovery 9 55-63 Actual Salvage Recovery Date 8 64-71 Actual Salvage Recovery 12 72-83 Subrogation Recovery Date 8 84-91 Subrogation 12 92-103 ICC Claim Payment Recovery 7 104-110 HFIAA/Section-28 Loss Indicator 1 111 Adjuster Individual Flood Control Number 10 112-121 Adjusting Firm Flood Identifier 5 122-126 Reserved for NFIP Use 333 127-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

Part 6 6-39 Revision 4 (10/1/01)


71 Special Allocated Loss Adjustment Expense

Record A Field

Length

Record

Position

Transaction Code(71A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Special Expense Date 8 35-42 Special Expense Type 1 43 Special Expense Amount 9 44-52 HFIAA/Section-28 Loss Indicator 1 53 Adjuster Individual Flood Control Number 10 54-63 Adjusting Firm Flood Identifier 5 64-68 Reserved for NFIP Use 391 69-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

74 Special Allocated Loss Adjustment Expense Correction

Record A Field

Length

Record

Position

Transaction Code(74A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Special Expense Date 8 35-42 Special Expense Type 1 43 Special Expense Amount 9 44-52 HFIAA/Section-28 Loss Indicator 1 53 Adjuster Individual Flood Control Number 10 54-63 Adjusting Firm Flood Identifier 5 64-68 Reserved for NFIP Use 391 69-459 Original Submission Month 6 460-465 Rejected Transaction Control Number 6 466-471 Sort Sequence Key 1 472 Reserved for WYO Company Use 30 473-502 Reserved for NFIP Use2 498 503-1000

III. LISTING OF DATA ELEMENTS WITH REPORTING SPECIFICATIONS

$¢4

R1 $5

Part 7 7-2 Revision 4 (10/1/01)


Data Element I2 S3 $/1006 Picture

Actual Salvage Recovery Actual Salvage Recovery Date Additional Building Rate WYO Additional Contents Rate WYO Additions/Extensions Indicator Adjuster Individual Flood Control Num. Adjusting Firm Flood Identifier Agricultural Structure Indicator Alteration Date Application Date Area Below Elevated Floor - Elevators Area Below Elevated Floor - Enclosed Finished Area Indicator

Area Below Elevated Floor - Garage Indicator

Area Below Elevated Floor – M/E Ind. Area Below Elevated Floor – M/E Value Amount

Area Below Elevated Floor – M/E Value Indicator

Area Below Elevated Floor – Number of Flood Openings

Area Below Elevated Floor – W/D Ind. Area Below Elevated Floor – W/D Value Amount

Area Below Elevated Floor – W/D Value Indicator

Base Flood Elevation (BFE) (Rating Map Info.)

Basement/Enclosure/Crawlspace Type Basement M/E Indicator Basement M/E Value Amount Basement M/E Value Indicator Basement W/D Indicator Basement W/D Value Amount Basement W/D Value Indicator Basic Building Rate WYO Basic Contents Rate WYO Building Claim Payment (ACV or RCV) Building Claim Payment Recovery Building Construction Date Type Building Damage Subject to Policy Exclusions (ACV)

Building in Course of Construction Indicator

Building on Federal Land Indicator Building over Water Type Building Purpose Type Building Purpose Type Percent Building Description Type Building Walled/Roofed Indicator Business Property Indicator Cancellation/Voidance Reason Case File Num. for Disaster Assistance Catastrophe Number Cause of Loss

1R - Replacement Value 2I - Incremental Value 3S - Signed Data Element 4$¢ - Dollars and Cents 5$ - Whole Dollars 6$/100 - Hundreds of Dollars

I R R R R

R

R

R

S - - - - - -

$¢ - - - - - -

9(10)V99 9(8)YYYYMMDD 9(2)V999 9(2)V999 X 9(10) 9(10) R

R R R R

- - - - -

- - - - -

9(5) X 9(8)YYYYMMDD 9(8)YYYYMMDD X

R - - X

R R

- -

- -

X X

R - - 9(6)

R - - X

R R

-

-

-

- 9(3) X

R - - 9(6)

R - - X

R R R R R R R R R R I I R

S - - - - - - - - - S S -

- - - - - - - - - - $¢ $¢ -

S9(5)V9 X X 9(6) X X 9(6) X 9(2)V999 9(2)V999 S9(10)V99 S9(10)V99 X

R - - X

R R R R R R R R R R R R

- - - - - - - - - - - -

- - - - - - - - - - - -

X X X X 9(2) XX X X XX X(9) 9(3) X

Appendix C C-36 Revision 4 (10/01/01)

Effective 10/1/96

RECORD LAYOUT

Record

Length Position





Cause of Loss 1 27


Total Property Value - Main and Appurtenant (ACV) 10 31-40

Total Building Damages - Main and Appurtenant (ACV) 10 41-50

Total Damage to Contents -

Main and Appurtenant (ACV) 7 51-57


Total Expense of Temporary Flood Protection 4 62-65




Claim Closed Without Payment Reason - Building 2 95-96


Expense of Manufactured (Mobile) Home Removal 4 98-101

Claim Closed Without Payment Reason - Contents 2 102-103


Foundation Type 2 112-113

Exterior Wall Structure Type 1 114

Exterior Wall Surface Treatment 1 115

Flood Characteristics 1 116

Factors Related to Cause of Loss 1 117

Duration of Flood Waters in Building 3 118-120

Alteration Date 8 121-128

Substantial Improvement Indicator 1 129

Duration Building Will Not Be Habitable 1 130

Property Value – Main (ACV) 10 131-140

Property Value – Appurtenant (ACV) 7 141-147





Deductible – Applicable to Building Claim Payment 1 179

Deductible – Applicable to Contents Claim Payment 1 180

Value of Building Items Subject to Policy Exclusions (ACV) 1 181

Value of Contents Subject to Policy Exclusions (ACV) 1 182

Record Layout (cont’d.) Length Record

Position



Building Damage Subject to Policy Exclusions (ACV) 1 183

Contents Damage Subject to Policy Exclusions (ACV) 1 184




Total Building Claim Payments (ACV or RCV) 12 194-205

Total Contents Claim Payments (ACV) 10 206-215

Total Building Claim Payment Recovery 12 216-227

Total Contents Claim Payment Recovery 10 228-237

Total Actual Salvage Recovery 12 238-249

Total Subrogation 12 250-261

Total Special Expenses Type 1 10 262-271








ICC Claim Payment Recovery 7 350-356






Total Building Damages – Main and Appurtenant (RCV) 10 396-405

Total Damage to Contents – Main and Appurtenant (RCV) 7 406-412

Total Property Value – Main and Appurtenant (RCV) 10 413-422

Total Amount of Insurance - Building 8 423-430

Total Amount of Insurance - Contents 8 431-438

Number of Floors (Including Basement)/Building Type 1 439

Elevated Building Indicator 1 440

Deductible - Building 1 441

Deductible - Contents 1 442

Condominium Indicator 1 443

Occupancy Type 1 444




Condominium Master Policy Units 5 455-459

Building in Course of Construction Indicator 1 460

Policy Effective Date 8 461-468

Policy Expiration Date 8 469-476

Primary Residence Indicator 1 477

Policy Activity Date 8 478-485


Position



Policy Status 1 486

Policy Termination Date 8 487-494

Risk Rating Method 1 495

NFIP ICC Calculated Coverage 5 496-500

Regular/Emergency Program Indicator 1 501

PRP Ineligibility Indicator 1 502


Reserved for NFIP Use 1 504

The following data elements contain NFIP calculated values and are

provided to assist WYO companies in determining what conditions caused

the error.

Length

Record

Position

Activity Date

8 505-512

Claim Status

1 513

Payment Limit - Building

12 514-525

Payment Limit - Contents

10 526-535

Pay Limit - ICC

10 536-545

HFIAA/Section-28 Loss Indicator

1 546

Exterior Water Depth - Main

4 547-550

Exterior Water Depth - Appurtenant

4 551-554

Interior Water Depth - Main

4 555-558

Interior Water Depth - Appurtenant

4 559-562




Error Code 1 8 596-603

Error Code Date 1 8 604-611













Position








Error Code 10 8 740-747


Error Code 11 8 756-763


Error Code 12 8 772-779


Error Code 13 8 788-795


Error Code 14 8 804-811


Error Code 15 8 820-827


Error Code 16 8 836-843


Error Code 17 8 852-859


Error Code 18 8 868-875


Error Code 19 8 884-891


Error Code 20 8 900-907


Error Code 21 8 916-923


Error Code 22 8 932-939


Error Code 23 8 948-955


Error Code 24 8 964-971


Error Code 25 8 980-987



Effective 6/1/97

RECORD LAYOUT - COBOL

Output – Claims Information and Error Extract

FD Output – File

Label Records are Standard

Block Contains 36 Records

Recording Mode is F

Data Record is Output–Record

01 Output - Record

05 OC-WYO-Prefix-Code PIC X(5). 05 OC-Policy-Number PIC X(10). 05 OC-Date-of-Loss PIC 9(8). 05 OC-Catastrophe-Number PIC 9(3). 05 OC-Cause-of-Loss PIC X(1). 05 OC-Water-Depth PIC S9(3). 05 OC-Total-Property-Value PIC 9(10). 05 OC-Total-Building-Damage PIC 9(10). 05 OC-Total-Contents-Damage PIC 9(7). 05 OC-Expense-Contents-Removal PIC 9(4). 05 OC-Expense-Flood-Protect PIC 9(4). 05 OC-Reserve-Building PIC 9(10)V99. 05 OC-Reserve-Contents PIC 9(7)V99. 05 OC-Close-Date PIC 9(8). 05 OC-CWOP-Building PIC X(2). 05 OC-Replacement-Cost-Ind PIC X(1). 05 OC-Expense-Mobile-Removal PIC 9(4). 05 OC-CWOP-Contents PIC X(2). 05 OC-Reopen-Date PIC 9(8). 05 OC-Foundation PIC X(2). 05 OC-Exterior-Wall-Structure PIC X(1). 05 OC-Exterior-Wall-Surface PIC X(1). 05 OC-Flood-Characteristics PIC X(1). 05 OC-Factors-Cause-of-Loss PIC X(1). 05 OC-Duration-Water-Building PIC 9(3). 05 OC-Alteration-Date PIC 9(8). 05 OC-Substantial-Improvement-Ind PIC X(1). 05 OC-Duration-Not-Habitable PIC X(1). 05 OC-Property-Value-Main PIC 9(10). 05 OC-Property-Value-Appurt PIC 9(7). 05 OC-Damage-Main PIC 9(10). 05 OC-Damage-Appurt PIC 9(7). 05 OC-Damage-Contents-Main PIC 9(7). 05 OC-Damage-Contents-Appurt PIC 9(7). 05 OC-Deductible-Building PIC X(1). 05 OC-Deductible-Contents PIC X(1). 05 OC-Value-Building-Items PIC X(1). 05 OC-Value-Contents-Items PIC X(1). 05 OC-Building-Dmg-Subject PIC X(1). 05 OC-Contents-Dmg-Subject PIC X(1). 05 OC-Value-Contents PIC 9(7). 05 OC-Final-Payment-Ind-Building PIC X(1). 05 OC-Final-Payment-Ind-Contents PIC X(1). 05 OC-Total-Building-Payments PIC S9(10)V99

.



Record Layout (cont’d.)

05 OC-Total-Contents-Payments PIC S9(8)V99.05 OC-Total-Building-Recovery PIC S9(10)V99.05 OC-Total-Contents-Recovery PIC S9(8)V99.05 OC-Total-Salvage PIC S9(10)V99.05 OC-Total-Subrogation PIC S9(10)V99.05 OC-Total-Sp-Exp-1 PIC S9(8)V99.05 OC-Total-Sp-Exp-2 PIC S9(8)V99.05 OC-Total-Sp-Exp-3 PIC S9(8)V99.05 OC-Total-Sp-Exp-4 PIC S9(8)V99.05 OC-WYO-Cmpy-Use PIC X(30). 05 OC-ICC-Actual-Expense PIC 9(10). 05 OC-ICC-Claim-Indicator PIC X(1). 05 OC-ICC-Claim-Payment PIC S9(5)V99.05 OC-ICC-Claim-Payment-Recovery PIC S9(5)V99.05 OC-ICC-Flood-Damage-Amount-Prior PIC 9(10). 05 OC-ICC-Mitigation-Indicator PIC X(1). 05 OC-ICC-Prior-Date-of-Loss PIC 9(8)YYYYMMDD.05 OC-ICC-Property-Value-Current PIC 9(10). 05 OC-ICC-Property-Value-Prior PIC 9(10). 05 OC-Total-Building-Damage-RCV PIC 9(10). 05 OC-Total-Damages-to-Contents-RCV PIC 9(7). 05 OC-Total-Property-Value-RCV PIC 9(10). 05 OC-Total-Amount-of-Insurance-Building PIC 9(8). 05 OC-Total-Amount-of-Insurance-Contents PIC 9(8). 05 OC-Number-of-Floors/Building-Type PIC X(1). 05 OC-Elevated-Building-Indicator PIC X(1). 05 OC-Deductible-Building PIC X(1). 05 OC-Deductible-Contents PIC X(1). 05 OC-Condominium-Indicator PIC X(1). 05 OC-Occupancy-Type PIC X(1). 05 OC-Reserve-ICC PIC 9(5)V99. 05 OC-Final-Payment-Ind-ICC PIC X(1). 05 OC-CWOP-ICC PIC X(2). 05 OC-Condominium-Units PIC 9(5). 05 OC-Course-Construct PIC X(1). 05 OC-Policy-Effect-Date PIC 9(8). 05 OC-Policy-Expire-Date PIC 9(8). 05 OC-Primary-Residence PIC X(1). 05 OC-Policy-Run-Date PIC 9(8). 05 OC-Policy-Status PIC X(1). 05 OC-Cancellation-Date PIC 9(8). 05 OC-Risk-Rating-Method PIC X(1). 05 OC-NFIP-ICC-Coverage PIC 9(5). 05 OC-Program-Type PIC X(1). 05 OC-PRP-Inelig PIC X(1). 05 OC-Co-Insur-Claim-Settlement-Indicator PIC X(1). 05 OC-Reserved-for-NFIP-Use PIC X(1). 05 OC-NFIP-Activity-Date PIC 9(8). 05 OC-NFIP-Claim-Status PIC X(1). 05 OC-NFIP-Payment-Limit-Building PIC S9(10)V99.05 OC-NFIP-Payment-Limit-Contents PIC S9(8)V99.05 OC-NFIP-Payment-Limit-ICC PIC S9(8)V99.05 OC-HFIAA-Sec28-Loss-Indicator PIC X(1). 05 OC-Exterior-Water-Depth-Main PIC S9(4). 05 OC-Exterior-Water-Depth-Appurt PIC S9(4). 05 OC-Interior-Water-Depth-Main PIC S9(4). 05 OC-Interior-Water-Depth-Appurt PIC S9(4). 05 OC-Adj-Ind-Fld-Cntl-Num PIC 9(10). 05 OC-Adj-Firm-Fld-Ident PIC 9(5). 05 OC-NFIP-Use PIC X(20). 05 OC-Error-Codes-Out.

10 Error-CDEX Occurs 25 Times

15 Error-Code PIC X(8).

15 Error-Date PIC 9(8).

Summary of the April 2018 Edit Specifications updates (Change 22):

Part 2 –

Edits

Dictionary

1. CU390010: Adjuster Individual Flood Control

Number (revised)

Revised Format to reflect increased length from 8

to 10.

2. CL391020: Adjusting Firm Flood Identifier

(revised)

Revised description to reflect the following

updates:

a) For Non-WYO staff adjusters, the Adjusting

Firm Flood Identifier must be reported.

b) WYO staff adjusters must use the WYO NAIC

number.

3. a) PL029040: Deductible - Building (revised) Revised description to allow deductible options

A,B,C,D,E for Other Residential Policies.

b) PL030030: Deductible – Contents (revised)

Revised description to allow deductible options

A,B,C,D,E for Other Residential Policies.

4. PL325020: HFIAA Surcharge (revised)

5. PL382010: House Worship Indicator (revised)

Revised description to reflect original new

business date in place of policy effective date.

6. PL385010: Non-Profit Entity Indicator (revised)

Revised description to reflect Policies with

original new business date.

7. PL360010: Small Business Indicator (revised)

Revised description to reflect original new

business date in place of policy effective date.

8. PL352010: Pre-FIRM SFHA – Prior Policy Lapsed

Policy Indicator (No change)

TRRP page updated to align with Edit. No change

in Edit.

9. PL341010: Pre-FIRM SFHA – Prior Policy Indicator

(No change)

TRRP page updated to align with Edit. No change

in Edit.

10.PL316020: Policy Assignment Type (cancelled)

Cancelled Edit.

INSTRUCTIONS

NATIONAL FLOOD INSURANCE PROGRAM EDIT SPECIFICATIONS

FOR THE WRITE-YOUR-OWN PROGRAM

REVISION 8 ..............................MAY 1, 2004

CHANGE 1 ..................................... May 1, 2005

CHANGE 2 ..................................... October 1, 2005

CHANGE 3 ..................................... May 1, 2006

CHANGE 4 ..................................... May 1, 2008

CHANGE 5 (REVISED) ........................... May 1, 2008

CHANGE 6, 6.1................................. October 1, 2009

CHANGE 7 ..................................... May 1, 2010

CHANGE 8 ..................................... January 1, 2011

CHANGE 9 ..................................... October 1, 2011

CHANGE 10 .................................... May 1, 2012

CHANGE 11 .................................... October 1, 2012

CHANGE 12 .................................... January 1, 2013

CHANGE 13, 13.1, 13.2, 13.3................... October 1, 2013

CHANGE 14, 14.1............................... June 1, 2014

CHANGE 15, 15.1 .............................. October 1, 2014

CHANGE 16 .................................... January 1, 2015

CHANGE 17, 17.1, 17.2, 17.3 .................. April 1, 2015

CHANGE 18, 18.1 .............................. November 1, 2015

CHANGE 19 .................................... April 1, 2016

CHANGE 20, 20.1, 20.2......................... October 1, 2016

CHANGE 21 .................................... October 1, 2017

CHANGE 22 .................................... April 1, 2018

Part 2 9-B Revision 8 (05/01/2004)


DATA ELEMENT: ADJUSTER INDIVIDUAL FLOOD CONTROL NUMBER

BASIC INFORMATION

-----------------

FILE: CLAIMS STATUS: REQUIRED ALIAS:

FIELD NAME: ADJ_IND_FCN

UPDATE: REPLACEMENT

FORMAT: TEN (10) DIGIT NUMBER

EDIT CRITERIA

-------------

ORDER: 10

EFFECTIVE:10/01/2016 REVISED:04/01/2018 CANCELLED:

EDIT LEVEL: REFORMAT/PRE-PROCESSER PROGRAM EDIT TYPE: INFORMATIONAL

ERROR CODE: CU390010 ERROR TYPE: CRITICAL

ERROR MESSAGE: ADJUSTER INDIVIDUAL FLOOD CONTROL NUMBER MUST BE NUMERIC.

FAIL EDIT

UPDATE ACTION: UPDATE

DESCRIPTION:

MUST BE NUMERIC.

NOTE: THE ADDITIONAL CHARACTERS NEED TO BE FILLED IN WITH LEADING ZEROES

Part 2 9-E Revision 8 (05/01/2004)


DATA ELEMENT: ADJUSTING FIRM FLOOD IDENTIFIER

EDIT CRITERIA

-------------

ORDER: 20

EFFECTIVE: 10/01/2016 REVISED: 04/01/2018 CANCELLED:

EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL

ERROR CODE: CL391020 ERROR TYPE: CRITICAL

ERROR MESSAGE: ADJUSTING FIRM FLOOD IDENTIFIER IS REQUIRED.

FAIL EDIT


DESCRIPTION:

IF THE DATE OF LOSS IS ON OR AFTER 10/1/2016, THE ADJUSTING FIRM FLOOD

IDENTIFIER MUST BE REPORTED.

FOR WYO STAFF ADJUSTERS, THE ADJUSTING FIRM FLOOD IDENTIFIER MUST BE THE WYO NAIC

NUMBER.

THE ADJUSTING FIRM FLOOD IDENTIFIER CANNOT BE BLANK.

PART 2 143 REVISION 8 ( 05/01/2004 )

CHANGE 22 EFFECTIVE 04/01/2018

DATA ELEMENT: DEDUCTIBLE - BUILDING

EDIT CRITERIA

-------------

ORDER: 40



ERROR CODE: PL029040 ERROR TYPE: CRITICAL

ERROR MESSAGE: DEDUCTIBLE - BUILDING IS NOT VALID.

FAIL EDIT


DESCRIPTION:

IF THE ENDORSEMENT EFFECTIVE DATE IS BEFORE APRIL 1, 1984:

A. IF THE POLICY IS V-ZONES 1981 POST-FIRM CONSTRUCTION (THE POST FIRM CONSTRUCTION INDICATOR IS 'Y', THE

FLOOD RISK ZONE IS 'V ', 'VE', 'V01' - 'V30', AND THE

ORIGINAL CONSTRUCTION DATE IS ON OR LATER THAN OCTOBER

1, 1981), MUST BE '0' OR '3'.

B. FOR ALL OTHER FLOOD RISK ZONES:

IF TOTAL AMOUNT OF INSURANCE - BUILDING IS

GREATER THAN ZERO, MUST BE '0'.

IF THE POLICY EFFECTIVE DATE IS PRIOR TO 10/01/1992 OR THE POLICY EFFECTIVE DATE IS ON OR AFTER 05/01/1998,

CANNOT BE '9'.

IF THE POST-FIRM INDICATOR IS 'Y', CANNOT BE '9'.

IF THE RISK RATING METHOD IS '9' OR '2', CANNOT BE '9'.

IF POST-FIRM INDICATOR IS 'N' (PRE-FIRM) AND FLOOD RISK ZONE

IS B, C, D, X, AOB, AHB, OR A99, CANNOT BE '9'.

IF THE POLICY EFFECTIVE DATE IS ON OR AFTER 5/1/2003:

1. FOR NON-RESIDENTIAL BUILDING POLICIES:

IF OCCUPANCY TYPE = '4', DEDUCTIBLE-BUILDING MUST BE 1, 2, 3, 4, 5, A, B, C, D, OR E.

2. FOR RCBAP POLICIES:

IF CONDOMINIUM INDICATOR IS 'H' OR 'L',

DEDUCTIBLE-BUILDING MUST BE 1, 2, 3, 4, 5, A,

OR D.

3. FOR ALL OTHER POLICIES:

DEDUCTIBLE-BUILDING MUST BE 1, 2, 3, 4, OR 5.

PART 2 144 REVISION 8 ( 05/01/2004 )


EDIT DICTIONARY

DATA ELEMENT: DEDUCTIBLE - BUILDING

4. OTHER RESIDENTIAL POLICIES, EFFECTIVE ON OR AFTER MAY 1, 2003 AND PRIOR TO

MAY 1, 2004, WILL BE ALLOWED DEDUCTIBLE OPTIONS A, B, C, D, AND E.

EFFECTIVE APRIL 1, 2018, OTHER RESIDENTIAL POLICIES WILL BE ALLOWED TO USE THE

FOLLOWING DEDUCTIBLE OPTIONS:

DEDUCTIBLE OPTIONS

------------------

A = $ 10,000

B = $ 15,000

C = $ 20,000

D = $ 25,000

E = $ 50,000

5. FOR ALL POLICIES:

IF POLICY EFFECTIVE DATE IS ON OR AFTER 5/1/2003 AND PRIOR TO 10/1/2009,

DEDUCTIBLE-BUILDING CAN BE REPORTED AS (CODE 0).

IF POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009,

DEDUCTIBLE-BUILDING CANNOT BE REPORTED AS (CODE 0).

6. FOR ALL RESIDENTIAL POLICIES THAT ARE NOT CONDOMINIUM TYPE ‘A’, ‘H’, OR ‘L’:

IF NEW, RENEWAL, OR ENDORSEMENT EFFECTIVE DATE IS ON OR AFTER 4/1/2015,

DEDUCTIBLE-BUILDING CAN BE REPORTED AS (CODE ‘A’ - $10,000).

7. IF THE POLICY EFFECTIVE DATE IS ON OR AFTER 04/01/2015:

IF RISK RATING METHOD IS ‘7’, ‘9’, OR ‘R’ AND THE TOTAL AMOUNT OF

INSURANCE – BUILDING IS OVER $100,000, THEN THE DEDUCTIBLE – BUILDING

MUST BE $1250 FOR BOTH BUILDING AND CONTENTS.

PART 2 149 REVISION 8 ( 05/01/2004 )


DATA ELEMENT: DEDUCTIBLE - CONTENTS

EDIT CRITERIA

-------------

ORDER: 30




ERROR MESSAGE: DEDUCTIBLE - CONTENTS IS NOT VALID.

FAIL EDIT


DESCRIPTION:

IF THE ENDORSEMENT EFFECTIVE DATE IS BEFORE APRIL 1, 1984:

A. IF THE POLICY IS V-ZONES 1981 POST-FIRM CONSTRUCTION (THE POST FIRM CONSTRUCTION INDICATOR IS 'Y', THE

FLOOD RISK ZONE IS 'V ', 'VE', 'V01' - 'V30', AND THE

ORIGINAL CONSTRUCTION DATE IS ON OR LATER THAN OCTOBER

1, 1981), MUST BE '0' OR '3'.

B. FOR ALL OTHER FLOOD RISK ZONES:

IF TOTAL AMOUNT OF INSURANCE - CONTENTS IS

GREATER THAN ZERO, MUST BE '0'.

IF THE POLICY EFFECTIVE DATE IS PRIOR TO 10/01/1992 OR

THE POLICY EFFECTIVE DATE IS ON OR AFTER 05/01/1998,

CANNOT BE '9'.

IF THE POST-FIRM INDICATOR IS 'Y', CANNOT BE '9'.

IF THE RISK RATING METHOD IS '9' OR '2', CANNOT BE '9'.

IF POST-FIRM INDICATOR IS 'N' (PRE-FIRM) AND FLOOD RISK ZONE

IS B, C, D, X, AOB, AHB, OR A99, CANNOT BE '9'.

IF THE POLICY EFFECTIVE DATE IS ON OR AFTER 5/1/2003:

1. FOR NON-RESIDENTIAL BUILDING POLICIES:

IF OCCUPANCY TYPE IS '4', DEDUCTIBLE-CONTENTS MUST BE 1, 2, 3, 4, 5, A, B, C, D, OR E.

2. FOR RCBAP POLICIES:

IF CONDOMINIUM INDICATOR IS 'H' OR 'L',

DEDUCTIBLE-CONTENTS MUST BE 1, 2, 3, 4, 5, A,

OR D.

3. FOR ALL OTHER POLICIES:

DEDUCTIBLE-CONTENTS MUST BE 1, 2, 3, 4, OR 5.

PART 2 150 REVISION 8 ( 05/01/2004 )


DATA ELEMENT: DEDUCTIBLE - CONTENTS

4. OTHER RESIDENTIAL POLICIES, EFFECTIVE ON OR AFTER

MAY 1, 2003 AND PRIOR TO MAY 1, 2004, WILL BE

ALLOWED DEDUCTIBLE OPTIONS A, B, C, D, AND E.

EFFECTIVE APRIL 1, 2018, OTHER RESIDENTIAL POLICIES WILL BE ALLOWED

TO USE THE FOLLOWING DEDUCTIBLE OPTIONS

DEDUCTIBLE OPTIONS

------------------

A = $ 10,000

B = $ 15,000

C = $ 20,000

D = $ 25,000

E = $ 50,000

5. FOR ALL POLICIES:

IF POLICY EFFECTIVE DATE IS ON OR AFTER 5/1/2003 AND

PRIOR TO 10/1/2009, DEDUCTIBLE-CONTENTS CAN BE

REPORTED AS (CODE 0).

IF POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009,

DEDUCTIBLE-CONTENTS CANNOT BE REPORTED AS (CODE 0).

6. FOR ALL RESIDENTIAL POLICIES THAT ARE NOT CONDOMINIUM TYPE ‘A’, ‘H’, OR ‘L’:

IF NEW, RENEWAL OR ENDORSEMENT EFFECTIVE DATE IS ON OR AFTER 04/01/2015,

DEDUCTIBLE –CONTENTS CAN BE REPORTED AS (CODE ‘A’ - $10,000).

7. IF THE POLICY EFFECTIVE DATE IS ON OR AFTER 04/01/2015:

IF THE RISK RATING METHOD IS ‘7’, ‘9’, OR ‘R’ AND THE TOTAL AMOUNT OF

INSURANCE – CONTENTS IS OVER $100,000, THEN THE DEDUCTIBLE – CONTENTS MUST

BE $1250 FOR BOTH BUILDING AND CONTENTS.

Part 2 251-J Revision 8 (05/01/2004)


DATA ELEMENT: HFIAA SURCHARGE

EDIT CRITERIA

-------------

ORDER: 20


EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: INFORMATIONAL


ERROR MESSAGE: HFIAA SURCHARGE MUST BE A VALID AMOUNT.

FAIL EDIT

UPDATE ACTION: UPDATE DESCRIPTION:

IF THE POLICY EFFECTIVE DATE IS PRIOR TO 04/01/2015,

HFIAA SURCHARGE AMOUNT CAN BE REPORTED WITH BLANKS OR ZEROS.

OTHERWISE,

IF THE POLICY EFFECTIVE DATE IS ON OR AFTER 04/01/2015,

HFIAA SURCHARGE AMOUNT MUST BE GREATER THAN ZERO, EXCEPT FOR GFIP.

ENDORSEMENTS THAT DO NOT REQUIRE A PREMIUM CHANGE OR THERE WAS NO CHANGE IN THE PRIMARY

RESIDENCE STATUS, THE HFIAA SURCHARGE IS $0.

ENDORSEMENTS WHERE THE PRIMARY RESIDENCE INDICATOR CHANGES FROM ‘Y’ (PRIMARY) TO ‘N’ (NON-

PRIMARY) MID TERM, THE HFIAA SURCHARGE IS RECALCULATED PRO-RATA AND THE AMOUNT CAN BE

POSITIVE.

ENDORSEMENTS WHERE THE PRIMARY RESIDENCE INDICATOR CHANGES FROM ‘N’ (NON-PRIMARY) TO ‘Y’

(PRIMARY), THE HFIAA SURCHARGE IS RECALCULATED PRO-RATA AND THE AMOUNT CAN BE NEGATIVE.

Part 2 251-N Revision 8 (05/01/2004)


DATA ELEMENT: HOUSE WORSHIP INDICATOR

BASIC INFORMATION

-----------------

FILE: POLICY STATUS: REQUIRED ALIAS:

FIELD NAME: HSE-WSHPIND

UPDATE: REPLACEMENT

FORMAT: ONE (1) CHARACTER

EDIT CRITERIA

-------------

ORDER: 10

EFFECTIVE:11/01/2015 REVISED: 04/01/18 CANCELLED:



ERROR MESSAGE: HOUSE WORSHIP INDICATOR IS NOT VALID.

FAIL EDIT


DESCRIPTION:

POLICIES EFFECTIVE PRIOR TO 11/01/2015 MUST REPORT 'N', 'Y'

OR BLANK.

POLICIES WITH RISK RATING METHOD '6' (PROVISIONAL), '8'

(TENTATIVE), '9' (MPPP), 'F' (LEASED FEDERAL) OR 'G' (GFIP),

BLANKS CAN BE REPORTED REGARDLESS OF THE POLICY EFFECTIVE DATE.

OTHERWISE,

POLICIES EFFECTIVE ON OR AFTER 11/01/2015 WITH OCCUPANCY

TYPE '4' OR '6', MUST REPORT 'N' OR 'Y'.

POLICIES WITH ORIGINAL NEW BUSINESS DATE ON OR AFTER 11/1/15 WITH

OCCUPANCY TYPE '1', '2' OR '3', MUST REPORT 'N' OR 'Y'.

Part 2 331-D Revision 8 (05/01/2004)


DATA ELEMENT: NON-PROFIT ENTITY INDICATOR

BASIC INFORMATION

-----------------


FIELD NAME: NON-PROF-ENT

UPDATE: REPLACEMENT


EDIT CRITERIA

-------------

ORDER: 10


EDIT LEVEL: EDIT PROCESSER PROGRAM EDIT TYPE: RELATIONAL


ERROR MESSAGE: NON-PROFIT ENTITY INDICATOR IS NOT VALID.

FAIL EDIT


DESCRIPTION:

POLICIES EFFECTIVE PRIOR TO 11/1/15 MUST REPORT ‘N’, ‘Y’ OR BLANK.

POLICIES WITH RISK RATING METHOD ‘6’ (PROVISIONAL), ‘8’ (TENTATIVE),

‘9’ (MPPP), ‘F’ (LEASED FEDERAL) OR ‘G’ (GFIP), BLANKS CAN BE

REPORTED REGARDLESS OF THE POLICY EFFECTIVE DATE.

OTHERWISE,

POLICIES WITH ORIGINAL NEW BUSINESS DATE ON OR AFTER 11/01/2015

MUST REPORT ‘N’ OR ‘Y’.

Part 2 495-A Revision 8 (05/01/2004)


DATA ELEMENT: SML-BUSINESS INDICATOR

BASIC INFORMATION

-------------------


FIELD NAME: SML-BUS-IND

UPDATE: REPLACEMENT


EDIT CRITERIA

-------------

ORDER: 10


EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE:

RELATIONAL ERROR CODE: PL360010 ERROR TYPE: CRITICAL

ERROR MESSAGE: SMALL BUSINESS BUILDING INDICATOR IS NOT VALID.

FAIL EDIT


DESCRIPTION:

POLICIES EFFECTIVE PRIOR TO 11/01/15 MUST REPORT 'N', 'Y' OR BLANK.



BLANKS CAN BE REPORTED REGARDLESS OF THE POLICY EFFECTIVE

DATE.

OTHERWISE,

POLICIES EFFECTIVE ON OR AFTER 11/01/15 WITH OCCUPANCY TYPE '4' OR

'6', MUST REPORT 'N' OR 'Y'.

POLICIES WITH ORIGINAL NEW BUSINESS DATE ON OR AFTER 11/01/15

AND OCCUPANCY TYPE '1', '2', OR '3', MUST REPORT 'N' OR 'Y'.

PART 2 417-I REVISION 8 ( 05/01/2004 )


DATA ELEMENT: PRE-FIRM SFHA - PRIOR POLICY LAPSED POLICY INDICATOR

BASIC INFORMATION

-----------------


FIELD NAME: PF-LAPSEDPOL

UPDATE: REPLACEMENT


EDIT CRITERIA

-------------

ORDER: 10




ERROR MESSAGE: PRE-FIRM SFHA - PRIOR POLICY LAPSED POLICY INDICATOR IS NOT

VALID.

FAIL EDIT


DESCRIPTION:

POLICIES WITH ORIGINAL NEW BUSINESS DATE ON OR AFTER

11/01/2015 MUST REPORT 'N' OR 'Y'.

POLICIES WITH ORIGINAL NEW BUSINESS DATE PRIOR TO 11/01/2015

MUST REPORT 'N', 'Y' OR BLANK.



BLANKS CAN BE REPORTED REGARDLESS OF THE ORIGINAL NEW BUSINESS DATE.

POLICIES WITH NEW/ROLLOVER/TRANSFER INDICATOR 'R' OR 'Z',


PART 2 417-H-1 REVISION 8 ( 05/01/2004 )


DATA ELEMENT: PRE-FIRM SFHA – PRIOR POLICY INDICATOR

BASIC INFORMATION

-----------------


FIELD NAME: PF-POL-IND

UPDATE: REPLACEMENT


EDIT CRITERIA

-------------

ORDER: 10

EFFECTIVE: 11/01/2015 REVISED: CANCELLED:



ERROR MESSAGE: PRE-FIRM SFHA – PRIOR POLICY INDICATOR IS NOT VALID.

FAIL EDIT


DESCRIPTION:

POLICIES WITH ORIGINAL NEW BUSINESS DATE ON OR AFTER

11/01/2015 MUST REPORT ‘N’ OR ‘Y’.

POLICIES WITH ORIGINAL NEW BUSINESS DATE PRIOR TO

11/01/2015, BLANKS CAN BE REPORTED.

POLICIES WITH RISK RATING METHOD ‘6’ (PROVISIONAL), ‘8’ (TENTATIVE),

‘9’ (MPPP), ‘F’ (LEASED FEDERAL) OR ‘G’ (GFIP), BLANKS CAN BE REPORTED

REGARDLESS OF THE ORIGINAL NEW BUSINESS DATE.

POLICIES WITH NEW/ROLLOVER/TRANSFER INDICATOR ‘R’ OR ‘Z’,


OTHERWISE,

IF THE ORIGINAL NEW BUSINESS DATE IS ON OR AFTER 11/01/2015

AND PRE-FIRM SFHA – LENDER REQUIRED UNDER MANDATORY PURCHASE INDICATOR

IS ‘Y’,

THE PRE-FIRM SFHA – PRIOR POLICY INDICATOR MUST BE REPORTED WITH ‘N’ OR ‘Y’.

Part 2 366-B Revision 8 (05/01/2004)


DATA ELEMENT: POLICY ASSIGNMENT TYPE

EDIT CRITERIA

-------------

ORDER: 20

EFFECTIVE: 10/01/2013 REVISED: CANCELLED: 04/01/2018

EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE:

RELATIONAL ERROR CODE:PL316020 ERROR TYPE: CRITICAL

ERROR MESSAGE: POLICY ASSIGNMENT TYPE DOES NOT CORRESPOND WITH THE PROPERTY PURCHASE

DATE.

FAIL EDIT


DESCRIPTION:

IF THE POLICY ASSIGNMENT TYPE IS ‘P’,

THE PROPERTY PURCHASE DATE IS REQUIRED – CANNOT BE BLANKS OR ZEROS.

NOTE: THE CANCELLATION IS EFFECTIVE 04/01/2018 AND THE EXISTING ERRORS FOR PL316020 NEED

NOT BE REMOVED FROM THE POLICY MASTER.

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